Quick backstory... I live in Denmark, where the Danish Bank created an application called "MobilePay" a few years ago. The functionality is identical to person-to-person Apple Pay coming in iOS 11. The difference is that your bank account is tied to your phone number and each transaction is transferred to your account instantly. You don't have to worry about "Apple Credits" and having to fill out a form or transferring the money to your account. It all happens instantly. "It just works". Now I wrote this backstory because I'm not familiar with the American market for these types of apps. The Danish MobilePay solution works across all banks in Denmark. It is vital for Apple Pay's person-to-person success in Denmark, in my opinion, that they remove the need of having to transfer the funds to your account. It is such a hassle and many will end up with Apple's virtual currency stuck on their phone. Person-to-person transfers can be as little as $4-5 for a sandwich or a cup of coffee and I personally do not want to have to click on "transfer to my account" every single time. The solution I offer is automatic transfer to your bank once a week. No matter what amount of Apple Credits you have, the surplus will be transferred to your account every single week. This would remove the hassle of having to cash out and actually make Apple Pay person-to-person usable in this market. Anyone with similar thoughts?