[cymon]

This is quite a shame on the US part to be so much behind the times:

Kenya has had a Real-Time Gross Settlement (RTGS) system for years supported by the central bank which works in near-realtime during working hours, and an even better one was recently introduced by a conglomeration of the local banks which works in real-time 24/7 called Pesalink: https://www.ipsl.co.ke/pesalink ..

[zo1]

Agreed. What's an even bigger shame is that places like the US and UK don't have proper centralized and verified citizen databases and national identification documents linked to it.