> everything is forced to go through the federal reserve, is expensive, and slow. This isn't entirely accurate, there is a private clearing house that supports

> everything is forced to go through the federal reserve, is expensive, and slow. This isn't entirely accurate, there is a private clearing house that supports instant payments in the United States. https://www.theclearinghouse.org/payment-systems/CHIPS https://www.theclearinghouse.org/payment-systems/CHIPS https://www.theclearinghouse.org/payment-systems/rtp https://www.theclearinghouse.org/payment-systems/rtp