"You can send money to someone even if they don't have a Dwolla account. But, they will need to create one to claim the funds. Businesses need to set up a Dwolla account to accept Dwolla," the company explains on the Dwolla web site. BBVA Compass and Dwolla looks like a good match. BBVA Compass is probably the only U.S.-based bank (its parent company is BBVA based in Spain) to replace its core banking system with the real-time Alnova system from Accenture, at a cost of more than $300 million. And BBVA's CEO Francisco González, is a geek — well really an engineer — who wrote an op-ed in the Financial Times last year saying "Banks need to take on Amazon and Google or die." "The deal makes BBVA Compass the largest bank to partner with Dwolla, a nimble alternative to the current payments networks that are decades old in some cases, far from real-time and more expensive to use.