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What's the best way to process payments between users directly in app?

User [A] should be able to send money to user [B] without putting the vendor [APP] in the middle of the transaction.

I think that the best solution is Venmo SDK but unfortunately in Italy it's not available yet. Stripe/Paypal don't allow to execute payments between users unless they have a Stripe/PayPal Account, correct?

Giacomo Torricelli
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