looks to be US only, but banking systems in other countries may not need something like this. And with each country having different rules and regulations, it's probably a very big nut to crack for a single US based company.

In the UK, for example, I can easily transfer money to other people's or business's accounts and it will arrive within 2 hours, and generally it's immediate.

If you need to transfer between countries, then it gets more interesting and you get forex's involved.