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Is it safe to send money through an app?

Short answer

It can be, if the company is licensed and you send only to people you know. Watch for scams asking you to send money to strangers.

Rules differ by state. This is general information, not legal or professional advice.

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Official sources

CFPB: sending money abroad (remittances)consumerfinance.gov
FTC consumer advice: money transfer scamsconsumer.ftc.gov
NCUA: find a credit unionncua.gov