The article lost me at fees. I saw a friend from Ireland last summer. They looked at us apps like cash app & zelle like that's cool - but the app we use doesn't charge instant fees and is not traceable.
On the other hand, this could be the death of physical currency in the us?
Wait, this happened like 4-6 months ago. Zlib is still alive and well, they just send out individualized links per user id when you search something.