jaylenoir Hi there!
Great points and questions, thanks for sharing.
As it stands, VibePay would track and facilitate the payment between the buyer and seller.
The 0% fees and money instantly hitting your bank makes it worthwhile for the seller "you" to use VibePay to request payments, however, what features would you find useful to help you sell the idea of using VibePay to a buyer and as a buyer yourself what would make you feel safe to use VibePay?