The problem with Zelle is that a slow play confidence game can be developed over time. They ask for your Zelle but never finish the transaction. A week later after you are calling them out, they say they are having trouble with Zelle and want to send a check. Now they have your name, addy, phone # and email addy. After you've handed out all this info, they ghost you. A month later they are at it again, hoping that you'll forget who they were. They send you an email with an attachment of the ashtrays they wanted. In that attachment a virus is included. Next thing you know car loans and $50,000 lines of credit are being opened in your name. Not sure if it is my paranoia or imagination that is working overtime. John