system
A chat on subreddit /r/wallstreetbets
human
Cash app downloads surpassed venmo in Q1 according to Nomura.  It's consistently been one of the top downloaded apps since then.  Read the Barrons article or the guidance from Bernstein.

gpt
I think cash app is better than Venmo, but I still am under the impression Venmo has more users according to both companies reports. I think both have and huge opportunity with the un/underbanked. Cash app is definitely better in this regard because you can deposit checks into i think