[Exhibitman]

Zelle is owned by Early Warning Services, LLC, a consortium of major banks, including:

Bank of America
Truist
Capital One
JPMorgan Chase
PNC Bank
U.S. Bank
Wells Fargo

Wells Fargo has it seamlessly integrated into its app. Don't know about the others.

I use it all the time for client payments at my practice. Also to pay for stuff or receive payments at shows. REA takes Zelle for payments, too. At my bank, it is free of charge, so frictionless. I far prefer it to PayPal or Venmo.