The rapture happened in September 2017. Or October. Or September 2018. Or October. Can’t recall. The dates kept changing. The rapture folks were sure, though. Something about planets and stars and Lucy in the sky. What are you all still doing here? Not rapture ready? Well, have a seat.
They've been doing it for years. The only difference is they can do it from their phone nowadays - and get payments directly deposited into their bank account (which is odd, because fiat currency is also about to collapse, don't you know...).