looks to be US only, but banking systems in other countries may not need something like this. And with each country having different rules and regulations, it's

looks to be US only, but banking systems in other countries may not need something like this. And with each country having different rules and regulations, it's probably a very big nut to crack for a single US based company. In the UK, for example, I can easily transfer money to other people's or business's accounts and it will arrive within 2 hours, and generally it's immediate. If you need to transfer between countries, then it gets more interesting and you get forex's involved.