FedNow is live, but not quite "here" since I can't personally send money to my neighbor with it yet. I'll be interested to see how the implementation looks to an end user such as myself, and how I can verify the identity/destination of the recipient. A little over a month ago, the Los Angeles Times said JPMorgan Chase would offer it soon. The JPMC website has a page about how people can implement it through their platform. However, when I log into my Chase account and search for fednow, this is what I get:

You asked: "fednow"

We're sorry but we need more details to give you a complete and accurate answer. Can you please rephrase your question?

https://www.jpmorgan.com/payments/solutions/fednow

https://www.latimes.com/business/story/2023-07-29/heres-now-...

https://www.frbservices.org/financial-services/fednow

Lots of other countries offer direct to consumer rails. I think fednow is an absolute improvement over ACH but it’s still way behind some of the peer payment systems out there.

For a couple of initial test institutions in limited cases.

It's coming, but it's not really "here and live" fully yet.

FedNow is not a service for end users. It's a service for banks.