Are you aware that the US Federal Reserve is deploying instant payments infrastructure in 2023? I believe the cost will be free to consumers, and pennies per transaction to businesses.
I'd expect online payments will integrate with banking providers to support initiating instant payments from deposit accounts, similar to Europe's IBAN instant payment system.
Would love to hear more, as I know a stakeholder involved in beta testing and that's not the ground truth I'm hearing (working as expected, deployment ahead of schedule). Don't violate any NDAs of course.