<p>I'm trying to do my first payment, got the exact experience mentioned, i try to add a contact by email address, the user is not shown as being a Revolut user, and i'm asked to "Create payment link", which I sure as hell don't want to send to an email. This is on 0.9.4, so it's unclear whether it contains 2426.</p>
<p>I want to pay from Revolut user to Revolut user, all in the Revolut App, no link. Given that, I want to cancel the payment for the trade i initiated. Can I let the trade period expire and if I do, will I lose my deposit?</p>
<p>More generally, is there no way to tell from the UI ahead of time whether we're dealing with a user 'by-email' as opposed to 'by-phone-number'?</p>
<p>Confusion galore</p>

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