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Will this replace ACH and/or Plaid for sending money amongst my own various accounts, as well, or is it intended more as a 'payment' than a tranfer?

Plaid still uses ACH just like it has always been used for years.

It is just an easier way to connect and link accounts and data alongside it.

The question I guess still stands WRT...if FedNow is so easy/great/instant, is there even still a business model for Plaid?