I can’t write this post to your spec yet because the required “provided sources” aren’t actually provided as linkable documents—your list is a set of targets (e.g., “CFPB — search for…”), not citable sources with URLs/titles/dates.
Your Source Integration – CRITICAL rule says to “integrate information exclusively from the provided sources” and “do not fabricate,” but I currently have no source pages to quote, paraphrase, or cite, and I also can’t browse to fetch them in this environment (network is restricted).
If you paste the URLs (or the text excerpts) you want used—e.g., specific CFPB/FDIC/NCUA pages, NACHA timing explainers, RTP/FedNow FAQs, and a few fee/help pages from the banks and payment apps you care about—I’ll turn them into a complete 1300–1650 word post in the requested vignette style, with inline citations and a full reference list.

