> 1) The recipient needs to download the app and sign up. How does the Payor know whether the recipient has Zelle app or not
This is not strictly true. You can still send money to bank accounts directly, but it's not instant.
> 1) The recipient needs to download the app and sign up. How does the Payor know whether the recipient has Zelle app or not
This is not strictly true. You can still send money to bank accounts directly, but it's not instant.