As far as an overlay service goes, Zelle basically fills that niche, and it's increasing in popularity. I think FedNow is more for larger payments.

Yeah, this got me excited that the original developer of Infinity got on the Lemmy train, but now I'm disappointed.

I would breed them and unleash them upon the world.

That's not a messaging standard, it's just a specific security protocol. Doesn't really have much to directly do with RCS.

And now I just learned about Obtainium. Thank you!