> P2P payments

Some P2P is between family/friends. Or you are paying rent etc. But a lot of it is business transactions that move funds from one savings account to another because the auto driver is accepting a payment in his mother's or wife's account or something similar. There is so much friction in the banking system if you have to create a current account that this is pretty common.

The system needs to improve drastically to support the two sides instead of letting it be. Should help your use case as well if that happens