you don't need to build an entire furry banking emporium you just need e-transfers
this is already a solved problem in most of the world, US banks are just laughably deficient
i can just log onto my bank and directly send someone money, they can either just receive it directly to their account or via email or sms
it is not impossible science fiction technology to just be able to send a person money without a credit card getting involved
and like yeah admittedly i cant use that to automatically pay a recurring subscription online yet (probably because all these payment processor fuckos are US based and always use credit cards but idk im not a banker) but like i can use them to pay my taxes and electric bills so we're not that far off
