Apparently it's ACH instant settlement. After discussing with some folks it seems not as bad and almost inevitable. The digital dollar is already a CBDC.
My thoughts are forming around how this could be leveraged to accelerate the inevitable.  

 I reserve the right to remain grumpy about it anyway. 

> The digital dollar is already a CBDC.

oof. you are right.  

 🤝🫂 

 Does that mean it doesn't effect direct deposit? 

 No clue