Faster than Venmo is not meaningful, and a strawman.
Just because ⚡ is 200% faster than the competition (because ⚡ is 50 milliseconds versus Venmo's 200 milliseconds) doesn't mean that the end user notices or cares.
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Thank you for your deep and constructive feedback.
Wasn't that deep. It's just something that gets repeated a lot, and rings hollow to pretty much everyone using Venmo.
Of course the folks using Venmo were fine with their transaction history and close social network being public.