You've described Dwolla's FiSync [1]. And you're right; in every case where the industry has gotten together to make ACH faster or agree on a new standard, the

You've described Dwolla's FiSync [1]. And you're right; in every case where the industry has gotten together to make ACH faster or agree on a new standard, the potential impact on wire transfer revenue was cited as the reason not to move forward. Building a new standard from the bottom-up, as Dwolla is trying to do, is nigh impossible when most credit unions and banks actively profit from limiting the liquidity of money. [1] https://fisync.dwolla.com/ https://fisync.dwolla.com/