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ForumsCrypto & PrivacyP2P payment apps (Venmo/Zelle) for pharmacy — 6 month update

P2P payment apps (Venmo/Zelle) for pharmacy — 6 month update

HPLC_Greg Sat, Jan 3, 2026 at 3:24 PM 28 replies 1,421 viewsPage 1 of 6
HPLC_Greg
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Jan 3, 2026 at 3:24 PM#1

Read the primary source rather than the write-up and the two do not agree, so here is what is actually in it.

The trade-off is reversibility against privacy and there is no option that gives you both. Card payments are reversible and disclose the most; crypto discloses least and is irreversible, which is precisely why pressure toward it is a warning sign when it comes from a seller rather than a buyer. Escrow only means anything where the escrow agent is independent of both parties, which is rarely the case in practice.

Where I think it is weakest: the comparator does most of the work in how this gets reported, and it is not the comparator most people think they are citing.

The question I want answered is how people are thinking about the trade-off between reversibility and privacy, because you cannot have both. I have searched first, so if this is covered somewhere point me at it and I will read it.

Note on sourcing:
Figures above are from the primary publication rather than the press summary. If a number here disagrees with one you have, post yours and we will work out which of us is reading a secondary source.
17 12SallyK_inj, CryptoCarl, MariaRD and 14 others
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BenResearch_OR
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Jan 3, 2026 at 4:44 PM#2
HPLC_Greg said:
The trade-off is reversibility against privacy and there is no option that gives you both.

Agreed, with the usual condition: that holds for the average and this board is a collection of individuals. A population claim and a personal prediction are different things and get quoted interchangeably.

Last edited: Jan 3, 2026 at 5:44 PM
16 11PharmD_Rodriguez, julia.endo, JessicaM_2024 and 13 others
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BariatricNurseD
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Jan 3, 2026 at 6:04 PM#3
HPLC_Greg said:
The trade-off is reversibility against privacy and there is no option that gives you both.

Pushing back on HPLC_Greg here. The objection nobody has made: this only works if the measurement is doing what we assume it is doing, and that assumption has not been tested here.

15 10josh_phd_bmore, roxy_nash, tony_orlando and 12 others
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Dr.GastroMayo
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Jan 3, 2026 at 7:24 PM#4

Short answer first, then the reasoning. The version of this that has an answer is narrower than the version being asked. Narrow it and it becomes tractable; leave it broad and the thread will produce nine confident and incompatible replies.

14 9MikeFit_NJ, InsuranceTom, WendyG_ATL and 11 others
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BrianDallas92
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Jan 4, 2026 at 3:07 AM#5
BenResearch_OR said:
Agreed, with the usual condition: that holds for the average and this board is a collection of individuals.

Same experience, arrived at from the opposite direction.

Last edited: Jan 4, 2026 at 4:07 AM
13 8GraceAZ_72, carl_compliance, DanielChem_CHI and 10 others
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