The US has instant payment systems, and they are good. But they are US systems. The entire US banking apparatus is a walled garden where only banks get to play. And Trump's new regulations are going to expand state surveillance, create more manipulative banking deserts, and continue to limit crossborder payments and remittances. That's why people want non-state systems. Commercial vendors will continue to win and profit on that, until the US shifts to a more open financial system.(Adam Cochran (adamscochran.eth))