I read that nFinanSe does require SSN. So, that may still be tricky. Sending to a friend's account should be ok, but make sure all accounts are verified, as well as your own and that they have had some kind of activity within the last 12 months. I had an issue where the account I send money to was not active in the past 12 months and so they made BOTH accounts reverify themselves before they would release the payment.
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