[wil421]

Same day ACH is available if you have a bank that supports it. My small credit union has same day (and free) ACH if I get it in by noon.

[kalleboo]

The new EU SEPA system launched in 2017 has 10-second settlement and it's available 24/7.

You're not going to compete with Venmo, PayPal and Libra with "same day if I get it in by noon"

[wil421]

Zelle has instant settlement for banks that use it, including two of the three banks I use.

ACH goes through the FED before it is processed by the receiving bank. Is SEPA sent to the ECB before clearing?

I’ve worked in Fintech for 6+ years. Banks are dinosaurs and the US banks are terrible at adopting new processes/tech.

In the US we are in a standard war with ACH, Zelle, and other payment schemes fighting for market share.