Canada has had e-transfer for ages. You can securely transfer cash to anyone in the country using their email address or phone number. If you have auto-deposit enabled it’s instant, too.

Oh, and it’s free. It only costs money if you use the e-transfer system to request money from someone (for obvious reasons.) And even then, it’s only like $1ish.

The US not having a system like that is frankly ridiculous.