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The U.S. government’s instant payment system, FedNow Service, went live this week. Here’s a quick refresher on what that is: FedNow is an instant payment infrastructure for transferring money that promises to be a faster payment rail for financial institutions, offering immediate access to funds no matter the day or time. It’s also something that the U.S. has been considered “behind” on in light of the fact that other countries have been live with similar services for some time, including Brazil, India, the United Kingdom and the European Union.