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It still vexes me that I can't instantly transfer money from my bank to a friend's account without paying, or using a third-party like Venmo or Paypal.

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Most banks are using Zelle now, all but instant in my experience

Zelle is restrictive, daily limits are quite low. It's also not always instant, depends on how much risk your bank considers you.

I ran into this issue today. Frustratingly low limits ($1000) for my bank.

Also, Zelle is a third party, but one owned by a bank collective so it gets a deeper integration. Potato, Potahto.

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