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Unfortunately, this is only superficially true.

I have been a long-time Venmo user and have refused to ever link my account through Plaid. Starting a couple years ago, Venmo begin to intermittently claim they "Lost the connection" to my bank and forced me to link via Plaid. I always refused and the problem eventually went away. Now, I cannot send money to anyone via Venmo. It always gives me the same error message and asks me to link via Plaid. Extremely dark pattern.




That has not happened to me yet but if it does, I’ll use cash instead of venmo




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