[lxgr]

Sometimes it can be worthwhile to see what other countries have been successfully doing for decades. It won't prevent anyone from reinventing the wheel if they still have their mind set on it :)

[loeg]

The culture is different and solutions will be different. Again: not super relevant here.

[lxgr]

FedNow does look an awful lot like SEPA Instant to me (down to banks not being eager to offer it to consumers without a legal requirement).