Pago has the right market identified, but just keeps falling down in execution. Here’s a reminder email from them, as rendered by Outlook via web access.
No logo, no <yourname>, no links as promised, no signature. How the mighty have fallen – ASB to me were always the leading edge of consumer IT, but with Pago they are dropping the ball.
Lance Wiggs 
I thought you activated your wallet. At least they sorted mine out
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