FedNow is helping a lot, but adoption takes time. The middlemen's APIs have to adopt it, test it, then the tools that use the APIs have to do their own round of

FedNow is helping a lot, but adoption takes time. The middlemen's APIs have to adopt it, test it, then the tools that use the APIs have to do their own round of that, then the businesses that use the tools that use the APIs have to design, develop and deploy the new features, then the users of the businesses that use the tools that use the APIs have to adopt those new features, and then you have adoption. You can see it in action. Plaid for example: https://plaid.com/blog/get-access-to-the-fednow-service-via-plaid-transfer/ https://plaid.com/blog/get-access-to-the-fednow-service-via-...