Indeed - I'm really surprised that Apple doesn't have some kind of "just pay another apple user" feature.

I know that would open them up to lots of KYC requirements, as well as require them to do some of the evil things that financial laws require (eg. tracking all payments, closing accounts and banning users for certain things while not being able to tell the users why, freezing users money till they can present documents they don't have, etc.)

But it still seems worth it to take over the payments space from venmo, cashapp and paypal, make the wall to switching to android a little taller, etc.