How are digital wallets different from Peer-to-Peer (P2P) systems for in-person payments?

Digital wallets such as Apple Pay or Google Pay can be used to pay a merchant at a point-of-sale terminal, often by tapping a phone. Peer-to-peer (P2P) systems are designed mainly to send money between people, rather than to make payments through a merchant’s point-of-sale system. So the key difference is that digital wallets can pay at point of sale, but P2P systems generally cannot.

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