With those usernames, the experience should be much closer to Venmo or Cash App right?

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Yeah, we keep pushing there. You already have a contact book, BOLT 11 Lightning addresses, and the ability to look up users via Nostr.

Decentralized Venmo

What is the difference between BOLT 11 and 12 addresses?

One serves up BOLT 11 invoices w a web server, the other serves up BOLT 12 offers with a DNS server

do you have any resources on how bolt12 works technically? Preferable in words and not in code.

Rusty has a good post about onion messaging we just renoted yesterday, it is quite technical though