not from the US, never used those apps
in Europe we all have MBWay (at least that's the only app I ever used and everyone has it)
we can send euros instantly to each other, with 0 fees
Discussion
“Sending” instantly is different from “settled” instantly. The funds might have been sent but can be reversed up to 180 days later. Bitcoin transaction is final in 6 blocks or less. Even when fees are high now, you are still paying less than $2 for final settlement.
fees are proportional to the number of bytes your transaction has