zaps is a way to say "send bitcoin through the lightning network"
it's mostly a nostr term but, i read that it can work across if you set it up as described here https://soapbox.pub/blog/mostr-zaps
(also, [blitz wallet](https://blitz-wallet.com) is great)
monero is another cryptocurrency, like bitcoin, but focused on private transactions (like a digital cash vs a credit card)
(i use [monerujo](https://www.monerujo.app) wallet for that)