TCH is pushing for near ubiquity next year.

TCH正在推动其明年的全面普及。

The Clearing House (TCH), which is owned by 25 big banks, has been running one since 2017.

归25家银行所有的清算所（TCH）自2017年起就在运营一个支付系统。

Mr Ledford says that TCH's plan is to reach smaller banks through the technology companies that provide their computing systems.

莱德福特先生表示TCH的计划是通过科技公司自己的电脑系统，与规模更小的银行建立联系。

So why does the Fed want its own? First, it is not convinced that TCH's system will ever connect to all the country's tiny banks.

所以Fed为什么想要建立一个自己的系统呢？首先，它不相信TCH的系统会连接到全国所有的小银行。