Strike will disrupt Venmo, Paypal, Western Union, and any other closed payment system. Strike uses the Bitcoin Lightning Network as payment rails and will interop with any payment system also using the Lightning Network. This means instant cross-border payments and currency exchange at a fraction of the cost and speed of traditional systems such as Western Union. You can use strike to pay Bitcoin or Lightning addresses directly from USD bank account. Strike converts USD to BTC on the fly. They also recently added BTC market buying/selling.