For many people outside the US, the "wow" moment is a "is that it?" moment. I can put money into my wife's bank account from my (different) bank account here in Australia for free and instantly. I can put money into my business partner's bank account in the UK from here in Australia instantly, too. Money transmission without any issue at all - and certainly without PayPal.

I have an API to my bank account to do it all programmatically, too. The speed of payment really isn't a selling point for most of the planet. We probably need a better way of promoting it.