We need to replace Venmo and CashApp with crypto transfer apps

Every week when friends and coworkers go out for drinks and pizza, usually a single person pays the bill and everyone else pays them back using third party money transfer Apps like Venmo/CashApp/Zelle, or here in the Netherlands, the Tikkie App, but these are highly centralized and often access users bank accounts.

We need to make paying someone back in cryptocurrency the new common place. Maybe just an option to receive money transfers in a cryptocurrency of the receivers choice. CashApp has the option to pay someone back in Bitcoin, has anyone done this/is it easy?

Thuisbezorgd, the Dutch food delivery service like UberEats, has been accepting Bitcoin since 2013, but immediately exchanges all coins they receive for euros. If they had kept their total amount from the start their bag would now be worth tens of millions of euros.

The first customer in Rotterdam spent 0.079 Bitcoin on November 5, 2013 for bitterballen (fried snack) and chicken nuggets. At the time equivalent to €13.50 - but now worth $2905.

Tldr; Don’t spend your cryptocurrency on food, instead, be paid back for food in cryptocurrency.

Edit: Thank you everyone for giving me answers pertaining to apps that let you send crypto to your friends - but most of these require for both parties to be using the same app! I’m looking for something much more interoperable while limiting middle-manning fees.

Maybe ENS domains could help, letting me type u/jxntb733 into any/many apps’ address bars and having all my chosen BTC and Doge and XLM wallet addresses immediately pop up for my friends?