Quick TakeThe Fed is behind the ball on real-time payments solutions relative to other advanced economiesThe door is still open in the U.S. for stablecoins and so-called digital dollars to offer improved payment capabilities, but that assumes ubiquitous real-time payments isn’t already readily availableOriginally slated for a 2023/2024 roll-out, Fed Governor Brainard announced FedNow will now have a phased approach that will bring a “core set of features to the market expeditiously “