There are limitations on who can use it, though. For example, I own some properties that I rent out. I would love for my renters the be able to simply send me their rent via Zelle, but Citibank doesn't allow it on business accounts (or at least I couldn't get them to turn it on for mine when I tried a couple years ago). They claimed it was only for personal accounts. I rarely need to send money to people I'm friends with. (And when we do, we use Apple Cash.) I also don't like having yet another company keeping track of whom I interact with.