The state of payments in the US is incredibly anachronistic. Even a developing country like Brazil is and has been for years, light-years ahead of the US on thi

The state of payments in the US is incredibly anachronistic. Even a developing country like Brazil is and has been for years, light-years ahead of the US on this aspect. I do not like financing cars, my last car I just paid in full using an electronic bank transfer called TED that clears in minutes to any bank account no matter what bank in Brazil. A 35.000 dollars transaction from my phone, cleared in minutes.