I thought FedNow was for settlement between banks, not a consumer-facing service. That would be a "Central Bank Digital Currency": https://www.federalreserve.gov/central-bank-digital-currency...

There were some bills on the subject, Republicans opposed to a CBDC to demonstrate their libertarian credentials:

https://www.congress.gov/bill/119th-congress/house-bill/1919...

https://www.congress.gov/bill/119th-congress/house-bill/1430...

HR-1919 passed the house, but it's not clear if "they" intend to bring it up for vote in the Senate.

People have submitted comments to the gov for using XRP as a mechanism, but AI tells me that FedNow is not killed or being replaced.