Not necessarily. BBVA has already this with Dwolla&#x27;s real-time payment tech, FiSync. (Limited, I know, but it&#x27;s the only cool proof of concept like it out in the wild)<p>Also, there&#x27;s been a lot of work done through the Fed&#x27;s remittance coalition on a supradirectory for destinations. Adding authentication capabilities would be the next logical step and they&#x27;ve already committed to using open standards (lots of ISO stuff to compete with though). Combined with whisperings of big bank projects and JP Morgan&#x27;s CEO very vocal hatred for screen scraping, Oauth could be a powerful and quick-to-market alternative.