Zelle® Finance

Zelle is a mobile payment service that facilitates instant peer-to-peer money transfers between individuals, primarily through integration with over 2,200 banks and credit unions in the U.S. It allows users to send money to friends and family using their mobile banking app or the standalone Zelle app, focusing on secure and direct bank-to-bank transactions.

Zelle's primary offering is instant peer-to-peer money transfers, which directly matches the 'Instant P2P Transfers' feature. The website also mentions security measures and fraud reporting, aligning with 'Fraud Monitoring & Security'. However, Zelle does not offer a prepaid debit card, early direct deposit, or investment features like stock or bitcoin trading, which are must-have features for the Cash App concept.