FedNow will support cross-border use cases while settling only the U.S. domestic payment leg directly.Early adopters will test enhanced ISO 20022 messages before wider participant access becomes available nationwide.Regulation J changes remain proposed, with cross-border functionality still contingent on Federal Reserve approval processes.Payall is among early adopters testing FedNow cross-border support for financial institutions serving global customers.FedNow settled nearly $275 billion across about five million payments during the second quarter alone.