How difficult is for USA administration learn good practices and initiatives and think into implementing those? And also, why Master and Visa haven’t came with a solution where they integrate with all of that and innovate?

This idea that all they do should be de facto standard for the whole world is so démodé.

My understanding is that FedNow could become something like Pix, but implementation is voluntary. In Brazil, the central bank required all retail banks of significance to implement Pix by a certain deadline.

Visa and Mastercard are very much against FedNow becoming widely used, as it would destroy their business.

For what MAGA views as good for the USA is actually deplorable loss for the civilized world.