https://www.federalreserve.gov/paymentsystems/fednow_faq.htm
	The FedNow Service is a new service for instant payments built by the Federal Reserve to help make everyday payments fast and convenient for American households and businesses.
	The Federal Reserve has always served as a provider of payment services to banks and credit unions across the country. . . . allowing financial institutions to transfer money to each other . . . for transactions like bill payments, vendor payments, payroll deposits, and large-dollar wire transfers. The FedNow Service is a modern payment system that operates alongside these other services.

https://www.rba.gov.au/chart-pack/banking-indicators.html
https://www.rba.gov.au/banknotes/