USA doesn't even have a standard way of normal humans transferring money electronically to each other, leading to a plethora of competing apps that try to solve this.
The US has a couple of ways that normal humans can transfer money electronically to each other. But they're old school (and require bank accounts) and that's why there are newer systems that people use instead.
There are upsides and downsides. Having an additional degree of separation is nice when I'm doing transactions with strangers. I prefer to use Venmo instead of Zelle for precisely that reason.
