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What’s the difference between digital wallets?
There are three dominant types:

Apple Pay, Google Pay and Samsung Pay
These wallets, usually preloaded on smartphones, let users add debit and credit cards for mobile payments. When a consumer is ready to complete a transaction, they activate the wallet app, select the card of their choosing and position the smartphone near a payment terminal. The wallets can only be used with their associated brand of phone, though Apple recently announced it will let third parties use the iPhone’s payment chip to handle transactions.

Venmo, Cash App, PayPal and other “P2P” wallets
These are different because they actually hold funds, likely in partnership with a fintech bank, before and after the money is transferred to the desired destination. If an app like Venmo were to fail or go bankrupt, consumers risk losing their balances or access to their accounts for a long period of time. (Zelle differs from Venmo in that it’s just an “instructor”; think of it as a facilitator asking one bank to send money to another bank.)

Starbucks, Dunkin’ and other retailer apps
Effectively, these serve as prepaid cards. Think of loading money onto the Starbucks app as the equivalent of adding money to a gift card. The money isn’t sitting at a bank; it’s already with the retailer.