Which is safer, Zelle or PayPal?

In the realm of digital payments, safety is paramount. When comparing Zelle and PayPal, one must delve into the security measures each platform employs. Zelle, often touted for its direct banking integration, boasts a robust fraud prevention system, including transaction monitoring and real-time alerts. However, PayPal, with its long-standing reputation in the industry, has a multi-layered security infrastructure, including encryption, two-factor authentication, and buyer protection policies. The question remains: Which of these two giants offers the safer option for users? Zelle's direct bank-to-bank transfers may seem enticing, but PayPal's extensive experience and robust security measures are hard to ignore. What are the key factors that tilt the scales in favor of one over the other in terms of safety?