"Three years in, and the Federal Reserve has announced a set of additions to its instant payments service: payee name verification for FedNow, an industry-wide fraud forum, and enhanced ISO 20022 messaging.   Around 1,800 financial institutions are now live, including seven of the 10 largest banks, reaching more than half of all US checking and savings accounts. Not a bad effort.  Here are five of those announcements – plus one thing the Fed didn’t say – and what US banks can do about them."