[TulliusCicero]

No, US bank to bank transfers/payments are quite slow, and not commonly used for small transactions. But there are a couple substitutes that are used:

* Zelle is basically better bank transfers and is already supported by many (most?) US banks: https://en.wikipedia.org/wiki/Zelle_(payment_service)

* Random 'third party' money transfer services like Venmo, Cashapp, Paypal, etc.

But similar to messaging in the US, the main issue is fragmentation. There's isn't quite a national consensus like some other countries have.

[astrange]

Debit cards can be used for instant payments and are used to eg pay Uber drivers. Or wire transfers.

And Zelle is a bank to bank transfer network, not a third party service.

[TulliusCicero]

> And Zelle is a bank to bank transfer network, not a third party service.

That's...what I said? Well, I guess I should've contrasted it better with the old, 'traditional' bank transfer payments.