Dwolla is going to eliminate ACH
Who owns ACH?  The banks do.Who owns Dwolla's replacement?  Dwolla.Banks are smarter than that.  Adoption of this will be zero.Instant transfers mean that someone can bankrupt an entire bank - instantly.  If someone hacks this brand-new untested system and issues 100% withdrawal orders for every customer account, B of A and Citibank and Wells Fargo and HSBC can all be bankrupted between 10:32:24 and 10:32:25.  Ooops!ACH is slow and revocable on purpose.