What sets Collctiv apart from Venmo, CashApp, and Zelle?

How much does Collctiv cost?

Can I use Collctiv for my business or charity?

Is Collctiv safe?

How long does it take to withdraw my funds?

Can multiple people withdraw funds from a pool?

How long does it take to receive an e-gift card?

Where is Collctiv available?

How do you make money?

I can't find what I'm looking for.