I can send $5k per day to seasoned Zelle contacts who I’ve sent funds to previously (Chase).

I see $20k in 30 days, $10k in 7 days, and $3.5k in 24 hours in my BoA account:

https://i.imgur.com/he9PXTn.png

I can see $3.5k/day would be a problem for paying rent easily in some places. I guess this is the best we have for instant online payments until FedNow goes live.

It depends on your bank and your credit and your relationship with the the bank. They basically have to loan you the money to send so it’s a question of what their credit risk is.