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this post was submitted on 08 Sep 2023
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Some countries have an instant payment system managed by the central bank, like Brazil (BCB & Pix) and Hong Kong (HKMA & FPS). Looks like the US is trying with FedNow but let's see how that goes... hoping for the best really, and that Canada catches on.
Even if a complete instant payment system isn't federalized, there are other ways central banks can at least enforce some interoperability of money transfers. That should be the bare minimum.
Zelle and Venmo dominate and the US government is rather incompetent at government services given all the small government folks there.