system
A chat on subreddit /r/me_irl
human
Zelle is also apparently super easy to scam with too- while very similar to the ones on PayPal and Venmo, Zelle scams are harder to resolve because they instantaneously deposit into your account
gpt
I don't understand how. Nobody should be using Zelle unless they know the person. It's very clear and upfront that the money is moved instantly and usually not recoverable. 

Are there really people out there using Zelle with complete strangers? Lol