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ACH is a payment processing network used to move money in bulk between banks.

Think of it like a school bus for money. Instead of sending each kid (or dollar) individually, it fills up with passengers one by one and then drops everyone off at once.

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What problem did ACH solve?

In order to process a large number of transactions, banks need to be able to clear and settle payments.

	ACH batching	Blockchain batching	Why it matters
Speed	Batches processed in 1-3 business days.	Batches processed in seconds.	Much faster settlement and can operate outside business hours.
Cost	Fees usually $0.20 to $1.50 per transaction.	Fees can be fractions of a cent.	Drastically lower costs for high-volume sends.
Scalability	Batches are limited by central capacity, meaning there’s fixed daily throughput.	Batches scale with block space (the amount of data that can be handled in one go), so there can be more payments per block.	More efficient for batching since there are no central bottlenecks limiting volume.
Finality	Batches can fail partway through or be reversed later.	Batches are atomic, meaning everything is settled at once or not at all.	All payments in a batch are final. For things like payroll, this creates more certainty.

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ACH

What problem did ACH solve?

The incredible bulk

Why blockchain is better

ACH

What problem did ACH solve?

The incredible bulk

Why blockchain is better

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