My point is that this a solved problem worldwide, ACH is slow and inefficient, and checking just piggybacks on ACH. It's not normal for bank-to-bank transfers

My point is that this a solved problem worldwide, ACH is slow and inefficient, and checking just piggybacks on ACH. It's not normal for bank-to-bank transfers to take two weeks to clear in TYOOL 2017. This is a US problem.