Aditya Mishra Interestingly, we internally use Instamojo.com to take care of these use-cases by giving friends a simple payment handle to pay-to (in my case, it’s https://imojo.in/@sampad). It also keeps track of who paid & when with a simple email/SMS reminder option too for those who forget to pay-up. Most importantly, money by design needs to be fungible IMO which I believe Instamojo solves since the money hits your bank a/c directly. But again, P2P isn’t a dominant use-case today!