If I stand in front of an ATM, and someone sends me money, I can take it out seconds later. Its a near instantaneous transfer. Zelle is about as fast, but fac

If I stand in front of an ATM, and someone sends me money, I can take it out seconds later. Its a near instantaneous transfer. Zelle is about as fast, but facebook has been around longer, and has been instant since it launched, long before Venmo added it (and charges for it.) Zelle is also only instant within the Zelle network. Then again maybe every bank ive ever used with FB is within the FB network of instant banks?