So that seems...much worse than "legacy" banking solutions. Here in the UK, I can send an extremely fast (matter of minutes) "faster payment" to any UK accoun

So that seems...much worse than "legacy" banking solutions. Here in the UK, I can send an extremely fast (matter of minutes) "faster payment" to any UK account for free, and a pretty-darn-quick (matter of hours) SWIFT transfer to any European account for a very low flat fee.