> ACH, our current interbank system, is incapable of real-time settlement. This might be nitpicky given the outcome is the same, but: That was once true but is

> ACH, our current interbank system, is incapable of real-time settlement. This might be nitpicky given the outcome is the same, but: That was once true but is no longer the case. Nearly-instant and same-day ACH are available now, but not widely and not typically available directly to consumers.