Here is your CBDC coming this summer to America. As I keep saying they won't do it over night, it will come in phases.

This is voluntary for instant transactions though a custodial bank, how convenient. 🙄

https://www.federalreserve.gov/paymentsystems/fednow_about.htm

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This looks to me like Microsoft's strategy of rolling third party software into windows (like Firefox or PKZip), in this case Zelle

They may want to re-evaluate that "transfer money between banks instantly" option.