>It’ll be several years before consumers are splitting checks on fednow, an infinitesimally small use case. We've been doing it for years in Europe thanks to i

>It’ll be several years before consumers are splitting checks on fednow, an infinitesimally small use case. We've been doing it for years in Europe thanks to instant SEPA payments ("SCT Inst"), and even those behind-the-times banks in the Eurozone which don't support SCT Inst have been required to support non-instant SEPA Credit Transfers, which settle next business day, since 2015. And, by law, it cannot cost more than sending a payment within your own country (which is generally free).