Ok so what about Venmo? Like I said, everything is reversible besides bitcoin at a certain level. That doesn’t mean it’s easy to reverse. I know this much. I tried to reverse a friends and family payment a year ago when I got scammed. Pay pal told me I was screwed. So there is your reversible right there.
Bitcoin is also reversible before 1 confirmation. Till now I saw only perfect money is irreversible. Anyway, crypto is yet still best but for btc need at least 1 confirmation. For other crypto need to check how many confirmation is needed for approved. Once confirmation complete then there will have no option to make reverse.