[en] Pagamentos instantâneos nos EUA traduzir morningbrew.com

The US banking system is about to get sped up like Barry Allen after the lightning struck, potentially eliminating those frustrating waiting days it can take for money to hit your account. The Fed is launching its FedNow instant payment service later this month.

The new system will enable banks to send each other cash instantly, 24/7, as an alternative to the existing system that runs only during regular business hours and often takes days to move money.

FedNow could put America’s banking system on track to catch up to countries like India and Nigeria, where high-speed payments are as common as high-speed rail in Japan. The US does already have an instant payments system, but it’s private rather than government-backed, and it hasn’t been widely adopted. It’s mostly only used by big banks, and only 1.4% of US transactions happen in real time, according to payment systems company ACI Worldwide.

FedNow-enabled services will soon likely appear at the 41 banks that have been certified to participate so far.

People moving money between banks or paying bills could complete their transactions in seconds without the need to plan payments days in advance.
Businesses will be able to access customer payments immediately and to send workers payments more frequently with instant direct deposit rather than the usual payroll cycle.

EUA chegaram no PIX finalmente. O mais bizarro é já existir um sistema desses lá mas ser PRIVADO e (por isso mesmo) ter baixa adesão. Um ponto a menos pro livre mercado.