Best Crypto for real world cross border transactions?

In India, there has been "real time payments" (RTP) for about 12 years. In the US, the Fed launched the "FedNow" rail, only as a push transaction meaning the issuer needs to initiate the transaction. (Not like a credit card company they can pull an automated transaction to pay the monthly credit card bill)

As cross boarder transactions are common in supply chain / manufacturing, the fiat parents world is looking into using crypto for Buisness 2 Buisiness transactions. Typically these transactions involve more than 2 banks. (Averaging 5-7 banks depending on which bank is in which network) These transactions on an ACH rail can take 7-10 business days. If a creditor owes a debit or for a certain amount of product, and they accidently let the foreign currency account get lower than what they owe, it can cause a rift that could take over 1 business week to pay after they issue the conversion and payment of currency in the foreign currency.

Now a good chunk of payment processors are able to connect to crypto to assist in faster immediate payments. Wondering what rails, outside of BTC / ETH are going to be winners of maintaining a 99.999% uptime and 100% accuracy while having less than 2.99% interchange fees (common fiat processors held to this standard).