Got it in the edit, thanks!
Surprisingly FedNow [2] is barely mentioned on Wikipedia. [3]
This is probably a better article to have linked for the post. [4]
[1] https://www.theclearinghouse.org/payment-systems/rtp
[2] https://www.frbservices.org/financial-services/fednow
[3] https://en.wikipedia.org/wiki/FedACH
[4] https://www.pymnts.com/news/payment-methods/2022/fednow-pilo...