Europe and Asia have been doing instant bank transfers for a while now. Bitcoin has been doing 24/7 payments since 2009 and instant payments since at least 201

Europe and Asia have been doing instant bank transfers for a while now. Bitcoin has been doing 24/7 payments since 2009 and instant payments since at least 2018. Not to mention Bitcoin is decentralized and not reliant on government and bank bureaucracy to function. The Fed is a little late on this one.