🇺🇸 USNationalDebit | Is the payment system in the US lagging behind?*
In the US, 💵 *simple bank transfers still take up to 3 business days* — unless you pay for it. Meanwhile...
🌍 Countries like *Brazil (Pix)*, *Japan*, and *United Kingdom* already use *instant and free payments*.
🏦 Banks profit from this delay through *“float revenue”* (money stuck in the system).
🌀 The *FedNow*, created by the Federal Reserve, promises fast transactions, but its *adoption is still slow*.
What is at stake with USNationalDebit:
✅ Speed vs. bank profits
✅ Financial inclusion
✅ Abusive debit fees
✅ Adoption of fast digital solutions
🔔 *Conclusion:* It’s time for the US to modernize the payment system and align with the global pace.