I wouldn't be so sure about that. Businesses have call to send _many_ payments (and many types of payments); the overwhelming majority by count are below $25k.

I wouldn't be so sure about that. Businesses have call to send _many_ payments (and many types of payments); the overwhelming majority by count are below $25k. Since nothing about existing ACH or wires is going away as a result of this system, it's a pure win.