The apps are associated with bank accounts, debit cards or credit cards, which is how they accessibility your resources and transfer money with just some taps. Some payments are free, but Other people have fees, which often depends upon the way you fund the transfer. Pros/Downsides: PayPal has protections https://financefeeds.com/monsta-mash-mash-set-to-skyrocket-with-tap-to-earn-launch-ripple-xrp-shows-recovery-signs-and-cardano-ada-gains-momentum/