Crypto, (and I'm really not a fan) is at least doing some objectively innovative stuff. However it's not really linked with traditional fiat so isn't applicable broadly.
With a government mandated transfer method, nobody needs to, and all banks are interoperable.
I personally really like my bank transfers between any bank in the Netherlands being near instant.
Real time settlement isn't really an innovation. Its just something the banks fight to protect their float.
Similar, but with the vital difference that it doesn't depend on Apple, Google, Samsung and PayPal to continue working. Not to mention the trust that they will keep your best interest at heart when making future decisions.
Ownership of something that is valuable should remain in your control, not some 3rd party.
Why wouldn't you consider using a third party (no idea if Stripe can actually do the example described) as true innovation in this space? With a third party layer, banks don't need to reinvent the wheel.
> Got a deposit via Venmo? It goes to X. From your work? Goes to Y.
FWIW, this sounds analogous (not exactly like) N26's closed/semi-closed digital wallets[1]. I guess if there's a use case for the example you proposed, it's not a huge leap to go from here.
Alas, I'm a very basic bank customer so I can't vouch for how good this feature is right now.
[1] https://n26.com/en-eu/digital-wallet