Capital One does too. I’ve used Zelle through Capital One’s website for years, and have never had the mobile app installed.

Since when? This is not my experience

Just logged into my account and it's there. I don't know when it was introduced.

Have you tried to use it?

I know the link is there, but last time it took me to pages where you were instructed to install the app

There's verbiage all over the site about a "new look" so maybe it is rolling out slowly to sections of the customers.

Mine currently looks like this: https://imgur.com/a/iFDVVwl