Banks in the US are not a good example because they are several decades behind the rest of the world. I haven't stepped purposely into a bank except to open an account, in about twenty years.
Fednow will be great for most domestic transfers but I still expect any international ones to require either a third party service (Wise, Xoom, etc) or a call/visit to the bank.
It does (at least when I last looked at FedNow ISO 20022) but that still only handles things until the first out of States routing institution, which means I don’t expect personally (from my experience in the field) for wire transfers and domestic sends to exist on the entirely same rail and payment forms.
