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I want FedNow™ to come in and destroy all payment processing forever.

It'll never happen, but I can dream.

https://www.frbservices.org/resources/fees/fednow-2023

hehe, Request for Payment (RFP) PAIN.013

surely FedNow will be a game changer but still it is 1 or 2 years away. And it will support account to account transactions. Need of credit would still be there :)

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