There are a few cryptcurrencies that are attempting to solve this problem. Some are actually centralized enough that banks are testing them out for this exact

There are a few cryptcurrencies that are attempting to solve this problem. Some are actually centralized enough that banks are testing them out for this exact purpose (Ripple). Are they the solution to the problem? I don't know. But ACH is pretty old school and there are more than enough technologies to do far better.