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A comment on Consumers Defrauded on Zelle Are Left High and Dry by the Banks That Created It [pdf]. Parent comment

Re:Consumers Defrauded on Zelle Are Left High and Dry by the... by cuteboy19 on Friday September 08, 2023 @08:48PM (#37441097)
The solution for this is instant SMS narratives. If you do any kind of transaction, whether receiving or sending, you will get an SMS detailing the (completed) transaction.

Over time people will be conditioned to wait for the SMS before finishing any transaction

That is how UPI does it anyways

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