Assuming all banks adopt this standard in that specified timeframe, the existing P2P solutions (Apple Cash, Venmo, PayPal, Zelle, CashApp) will ultimately becom

Assuming all banks adopt this standard in that specified timeframe, the existing P2P solutions (Apple Cash, Venmo, PayPal, Zelle, CashApp) will ultimately become useless. I wonder how these companies will pivot once banks begin to adopt this interbank service.