Based on our collective confusion it is clear that the number one obstacle to using Dwolla is their own web site. When the "how it works" page starts with "First there was bartering, then there was coinage, and of course paper tender followed with checks right behind." I'm fading fast.

I want a description of how a transaction goes down. I got that you set up Dwolla by attaching to a bank account for ACH. I got that you use your phone--somehow. Can anyone explain the somehow? How about sending cash to a friend, is there any online demo of the interface for that?