FedNow launch seems like a step change improvement that’s broadly under discussed within crypto (seeing a lot of it within fintech)

tldr: for Americans it enables p2p, b2b, p2b etc instant payments, will be available 24/7/365, & gives full access to funds immediately

Isn’t this the future DeFi is promising?

Big part of though:
1) DeFi is global,
2) It's about the government not blocking access to your money,
3) Apps and programmability are key.

That said if the DeFi community remain focused on hamsters instead of real innovation that will show why 1)-3) matters, its going to be really painful.