FedNow is similar to PIX here in Brazil. You have ease and practicality at the expense of losing your privacy and autonomy of your own money. It's not CBDC, but it's close to being. Therefore, it is important to be careful when using it. In addition, it is not obligatory for financial institutions and banks to use it, because in the US it could cause the failure of small banks in any rumor of a liquidity problem.