What solutions have you tried in the US? Venmo and Cash App are both free and work up to like $2500, at which point you have to deal with government systems like ACH and it gets slow and expensive.
The US banking system is archaic compared to elegant systems like they have in Australia/New Zealand (and probably Europe). No malicious rent-seeking third parties needed in the transaction.
Perhaps you should do a little bit more research. Zelle allows payment between banks (almost) instantly. No fee, since it's a service owned by participating banks, practically all major banks in the US. Zelle processed $187 billion in 2019.
Perhaps you should do a little research and find that the rest of the world has been doing that between all banks for a decade or two.
Not mention its ubiquity that allows everyone from teens to grandparents to pay .25 for a cookie, to dropping a down payment, to paying bills, to filing taxes, to automating a weekly rent check. Basically an elegant single system required for modern life.
The fact zelle, launched in 2017, has a brand name, and competes for mindshare illustrates how they missed the target. In other countries it’s called banking.