As I understand it, this is settlement infrastructure for banks. How the consumer experience is actually implemented is up to each bank.

Perhaps Zelle will switch to it for settlement without changing the user experience? Some limits might be removed, but then again I’d guess that the limits are at least partly there for security purposes (to prevent bank accounts from being drained too easily) and the risks don’t go away just because settlement is easier.

(In a similar way, ATM transactions have daily limits and it’s not because there’s any technical reason for daily limits to exist.)