Can you consider having custom, user-set monzo.me links? Or even a monzo-set, more anonymous, number/ text string?
For instance, I’m on a date with someone I don’t know well (let’s say it’s a first date) and they forget their wallet but are happy to pay me back, but I don’t want to see them again… I don’t necessarily want to be giving them my entire name in case they turn out dodgy/ take rejection badly.
I’m sure there are other situations you’d want to take a payment without giving out your entire legal name. People don’t always use their legal names (for instance transgender people) or feel safe giving them out.