Same in Brazil, i can send i think 10k to anyone in my contact using PIX that was created by the goverment and is opensource, i can pay with it too, there is other way too, but PIX is the easier, just need a internet connection

you can send using ramdom nunber, cellphone number, CPF, qr code, email, just need to configure the key that you want in you bank or bank app, and it just work without fees