Apple Bank just edged closer to reality. Apple is launching a money-transfer service that will look to challenge the likes of Venmo.

Users can send money and get paid in Messages, or tell Siri to pay someone, using the credit and debit cards they have in Wallet. When they get paid, they receive the money in their Apple Pay Cash (a new digital debit card) account. They can send it to someone, make purchases using Apple Pay in stores, apps and on the web, or transfer it to their bank account.

Both services will initially only be available Stateside.