🚨 JUST IN — FED MOVES TO MODERNIZE PAYMENTS
🇺🇸 The Federal Reserve has opened a public comment period on a proposed limited-use “payment account.”
What’s Being Proposed: • Access to Fed payment rails for clearing & settlement only
• No interest paid
• No credit or overdrafts
• Capped balances with strict safeguards
Background: • First floated by Governor Waller in Oct 2025
• 45-day public comment window once published in the Federal Register
Why It Matters: • Streamlines payment infrastructure
• Expands access while limiting risk
• Signals continued evolution of the U.S. payment system
A cautious but meaningful step toward modern payments 🚀
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