Is there actually a way to send crypto to someone who has zero crypto knowledge, no wallet, no app installed, nothing, using just a phone number?

Can you actually send crypto to someone with just their phone number, no wallet, no app, nothing on their end. Not asking about QR codes or wallet addresses, the other person would have no idea what to do with those. I mean something where they get a notification on their phone, click something simple, and actually have money they can spend within a few minutes.

Feels like this should exist by now but every solution I've looked into requires both people to already be on the same platform which defeats the whole point. Does this actually work anywhere in 2026 or am I describing something that doesn't exist yet