So it seems like the backbone exists and gets used heavily. The next step would be a way for person to person transfers of money and person to business, busines

So it seems like the backbone exists and gets used heavily. The next step would be a way for person to person transfers of money and person to business, business to person, etc. It seems like business to business already does, the major piece left out is a consumer account. i.e. there's no card you can use to directly send money from your account to your kid at college. Everything still requires some company as an intermediary.