User:MaryGaulke/sandbox/ClearXchange requests

Hi! I work for a communications firm that represents Early Warning Services, the owner of clearXchange and Zelle. I have some requests for updates to this article. For clarity's sake, I'll break them out by section. I've also mocked up all the changes here, in my sandbox.

Article as a whole:
 * Renaming the article from clearXchange to Zelle, as clearXchange itself has been renamed. Links on the Early Warning and Zelle disambiguation pages will also need to be updated.

Lead:
 * In the beginning of the lead, replacing  with simply   and updating most mentions of clearXchange throughout the article to Zelle.
 * Updating  to  . Still a red link, but more accurate.
 * Removing "and businesses" from the first sentence of the lead, as this is inaccurate: Only individuals can send money through Zelle.
 * Updating  to   for the sake of precision.
 * Removing  (a recent edit) as unnecessarily confusing. (Details of the transition are clarified elsewhere in the article.)
 * Removing  as technically inaccurate (the participating financial institution holds this information) and superfluous.
 * Specifying "mobile" before "phone number of the payee".
 * In the first paragraph, replacing  with   for clarity.
 * At the end of the first paragraph, adding
 * Deleting the second paragraph—
 * —which is almost entirely inaccurate. Zelle does use ACH for settlement, so the metaphor is a little awkward. And while Zelle does allow users to send "payment requests", that is not exactly the same as initiating a transaction.
 * —which is almost entirely inaccurate. Zelle does use ACH for settlement, so the metaphor is a little awkward. And while Zelle does allow users to send "payment requests", that is not exactly the same as initiating a transaction.


 * Near the end, updating
 * to
 * to


 * Updating  to
 * Deleting "much" from  to maintain neutral tone.
 * Replacing  with
 * Removing the last sentence,, as no longer relevant.

History section:
 * Adding  after the first mention of clearXchange for clarity's sake.
 * Deleting "account-to-account", which, as I understand it, has a very specific meaning in this industry that is not applicable here.
 * Deleting  as non-notable.
 * Combining the "In October 2015" and "In August 2016" sentences into a single paragraph to avoid several short paragraphs in a row.
 * Replacing  with   for accuracy.
 * Replacing  with   for accuracy.
 * Deleting  from end of section as no longer true.
 * Adding to end of section:

Service section:
 * At the beginning of section, adding "almost" before "anyone with a United States bank account". (To enroll, the recipient must have an eligible debit card issued by a bank in the United States.)
 * Replacing "member financial institutions" with "Zelle-participating financial institutions" for clarity.
 * Replacing "through clearXchange's website" with "through the Zelle mobile app". Adding immediately after that:
 * Adding at end of first paragraph:
 * Replacing
 * with
 * as the information about clearXchange's processing time is no longer relevant.
 * as the information about clearXchange's processing time is no longer relevant.
 * as the information about clearXchange's processing time is no longer relevant.

Participants section:
 * Replacing "on the clearXchange website" with "using the Zelle mobile app". I also think it makes sense to remove "As of June 2017".

I've tried to lay these out so they'll be easy to review and implement. And again, all the changes are mocked up in my sandbox. If any additional info is helpful, please let me know and I'll provide it. Due to my COI, I won't be editing the article myself. Thank you for your time and consideration!