Chime

Chime is a strong competitor to Cash App, offering many similar mobile-first banking features. It explicitly offers a Visa debit card, early direct deposit, and a high-yield savings account. The website also details fraud monitoring and security features, as well as extensive ATM access with fee reimbursement. While it doesn't offer direct stock or bitcoin trading, or P2P transfers with a unique identifier like a $Cashtag, it does have a 'Send & Receive Money' feature which implies P2P functionality. The absence of explicit stock/bitcoin trading and the specific P2P identifier reduces the confidence score slightly.