FedNow is extremely exciting, as is the development of local instant payment networks and I’m hoping they can eclipse card networks soon. Development in the US hasn’t been as fast as in other emerging markets though wrt their own networks

As for Venmo/Paypal interoperability across other fintechs is something they’re not supporting at the moment for instance I can’t send money to my friend who uses CashApp and have to use Zelle (so ultimately Zelle/banks win). But that being said they do have a large user base between their two platforms.

Paylias is more closer to the links you shared around instant payment systems, than Wise. In an ideal world, Wise would integrate Paylias’s APIs and issue you an alias that you could use to send/receive/pay money to a friend that uses another wallet.