Two-Factor Payment Identification

Digital payments between users without affinity presents a problem for platforms. While in many cases this is innocuous, just two new folks exchanging goods or services, it is also a common signal of a scam, impersonation, or just a user mistyping the handle of another user.

To help guard against this, payment platforms can (and often have) implemented "two-factor identification - requiring users to specify two kinds of information about the person they're sending the money to. In cases of impersonation, this can help them realize that they're being duped. In cases of error, it can prevent them from sending money to the wrong person. In cases of scams, it can give the user a second to consider how well they know the person they're sending the money to ("should I be sending $500 to someone who I don't know their phone number?").