High on self-approval but low on details. Are the transactions reversible? For instance, can a scammer convince an elderly person to transfer money to their account (instantaneously) and then split it and send the money to partners in crime (also instantaneously)? What is the process for conflict resolution, for cases like the product fully paid for (instantaneously) doesn’t work as advertised? How much information on payer identity is being shared with a recipient, to be recorded, cross-matched and sold to the highest bidder?

Sometimes I think that the slow speed of moving money is a feature, not a bug.