Yeah, option 3 is tricky. Full disclosure, we haven’t decided anything yet, as we said, this is just a sneak peek.
Imho It’s not really about forcing people to get an account to grow our network or anything like that, it’s really about giving a better experience, that we can only provide Mondo2Mondo. The way I see it is like trying to talk through WhatsApp with a friend that it’s not in WhatsApp yet. That kind of apps don’t offer any fallback (sending an email would be the obvious fallback for a messaging app, right?), instead they focus on making the experience inside the network so good that it fully justifies the switch for all the parties.
Another really important leg on this is the regulatory side. I’m sure there’s some kind of restrictions (amount limits, usually) about getting money out of accounts without a proper verification of the user on the recipient’s end. We’ll take that in consideration too