1. https://www.federalreserve.gov/newsevents/pressreleases/other20190805a.htm
https://www.federalreserve.gov/newsevents/pressreleases/other20191223a.htm
https://www.federalreserve.gov/newsevents/pressreleases/other20200925a.htm
2. https://techcrunch.com/2019/08/05/the-federal-reserve-announces-plans-fo...
3. https://ripple.com/insights/federal-reserve-task-force-ripple-improves-s...
4. https://www.federalreserve.gov/newsevents/pressreleases/files/other20190...
The Fed is changing its software to allow direct deposit from private companies other than banks (4).
In 2019, technology upgrades began, must be operational in 2024 (1).
The only real-time payment system that can provide instant cryptocurrency transfer is Ripple's XRP (2) (3)
Technology companies will replace banks. The Fed will not print money but will use its own cryptocurrency. From 2024, it will be technically possible to use cryptocurrencies.