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Re:Pix surpasses credit and debit card transactions in Brazil by dbmikus on Wednesday July 26, 2023 @11:09PM (#36888433)
UPI[1] exists in India. FedNow[2] recently went live in the United States.

As for why it doesn't exist in every country: it takes a bit of technical work to get the system working and governments move slowly, for better or for worse.

[1]: https://en.wikipedia.org/wiki/Unified_Payments_Interface

[2]: https://en.wikipedia.org/wiki/FedNow

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