Following in the steps of what EU and UK did few years ago. (1)
And which always made this cryptocurrency fast settlement stuff sound laughable - like they're describing just what a regular bank account does, and it's supposedly their special magic, so what?
People need to look outside of the USA to understand the state of the art.
You can even find these systems in Africa already (2)
1) https://www.ecb.europa.eu/paym/integration/retail/instant_pa...
https://en.wikipedia.org/wiki/Faster_Payments
2) https://www.mfw4a.org/news/instant-payment-transactions-afri...