Feels odd that you exclude mentioning the EU, which has had instant transfers for more than a decade. More than two decades, if you include things like iDeal from The Netherlands.
Canadians have been able to transfer money via email for ages, only Americans think their system is unique, it is. Uniquely inefficient and costly.
Wasn't intentional, I mention SEPA and Wero in other comments, not intended to be an enumeration of all instant payment systems currently active globally. My apologies!
https://www.pymnts.com/wp-content/uploads/2025/05/PYMNTS-Rea...
https://www.emerald.com/cemj/article/33/4/575/1248919/The-ri...
Some banks in some parts of the EU have - SEPA instant was only mandated in January 2025, only for Euro payments.