That seems pretty about the "pull payments" because normally if someone sends something if they put the wrong username it can be quite disastrous. The inverse of that seems to be more stable, but I suppose just slightly more time consuming. I think that would be a pretty great service overall though.
Maybe when doing so you can make it somewhat automated remembering who are last sent/transactions are so as we type in part of their names there will be a dropdown. Or a way we can add people we frequently transact with so people that do transactions often can use your platform as a quicker and more efficient way