[rswail]

It's a US only problem.

Everywhere else has instant settlement payment rails available for yonks.

And FedNow removes the need for Zelle or CashApp, assuming the banks offer it.

Of course, a regulator working for the consumers might mandate as part of a banking deposit taking license, that the bank must offer FedNow as part of the account at zero transaction cost to the account holder, perhaps with transaction limits.