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In four days, the Federal Reserve will start its quick account-to-account payments train. The Clearing House, which operated the first real-time railroad to begin operational in 2017, will now operate two real-time railroads in the United States with the launch of FedNow on July 20.

According to the flood of press releases and PR pitches we’ve been receiving over the past few weeks, the launch of FedNow is to payments what the Red Sox winning the World Series in 2004 after an 86-year drought was to baseball: a historic achievement that was long overdue.

In addition to the US Treasury, FedNow asserts that 56 more “Early Adopters” are eligible and ready to move cash over its rails upon launch.

The profile of those early adopters leans heavily toward small FIs, even though four TCH founding members—J.P. Morgan, Wells Fargo, US Bank, and BNY Mellon—are also prepared to launch on Thursday. Of the 56 FIs, 41 have profiles similar to those of 1st National Bank of Yuma, Buffalo Federal Bank, and Consumers Cooperative Credit Union, which have assets of $550 million, $174 million, and $2.8 billion, respectively.

Among the fifteen technology firms that banks and FinTechs can use to connect to the FedNow rails are Adyen, Fiserv, FIS, Jack Henry, Finastra, and ACI.