UK has Faster Payments; which runs 24/7 and has times measured in seconds, unlike ACH (doesn't run on weekends, takes days), and charges no costs to end-users.

UK has Faster Payments; which runs 24/7 and has times measured in seconds, unlike ACH (doesn't run on weekends, takes days), and charges no costs to end-users. This is a well-solved problem, the issue is that USian banks make far too much off overdraft fees to want to upgrade their infrastructure at the cost of making less money from parasitic fees.