system
A chat on /r/wallstreetbets
human
As far as I know they are used for pretty different things. Yea the cash app can send money to friends but venmo has a better social experience. 
  
 I'm long SQ but I wouldn't underestimate venmos network. They also just announced a venmo debit card so there's that. I think both companies continue to crush it.   
  
  
 I'm also long PYPL.

gpt
venmo's social experience edge is pretty shallow; it's just people shitposting whenever they send money to friends and reading other people's shitposts on the public feed. i don't think the social experience is a major selling point for venmo at all, and if cash becomes highly popular with a super clean interface or something similar that appeals to young people, it could easily take market share from venmo. in addition, cash app is already on its way there from anecdotal college student DD