Individuals too: > FedNow is an instant payment service developed by the Federal Reserve for depository institutions in the United States, which allows individ

Individuals too: > FedNow is an instant payment service developed by the Federal Reserve for depository institutions in the United States, which allows individuals and businesses to send and receive money.[1][2][3][4] * https://en.wikipedia.org/wiki/FedNow https://en.wikipedia.org/wiki/FedNow > The FedNow Service went live on July 20, 2023. It is available to depository institutions in the United States and enables individuals and businesses to send instant payments through their depository institution accounts. […] At the most fundamental level, the service provides interbank clearing and settlement that enables funds to be transferred from the account of a sender to the account of a receiver in near real-time and at any time […] * https://www.federalreserve.gov/paymentsystems/fednow_about.htm https://www.federalreserve.gov/paymentsystems/fednow_about.h... > The Federal Reserve said on Monday that it would create a real-time payments system, with the goal of making paychecks and money transfers available for use more quickly. * https://www.nytimes.com/2019/08/05/business/economy/fed-real-time-payments.html https://www.nytimes.com/2019/08/05/business/economy/fed-real... (Your back-end has to be fast before your front-end can be.)