Deep Dives

ACH, FedNow, RTP: The Future of US Payments Is Multi-Rail

ACH coexists with instant payment initiatives like FedNow and RTP, especially for bulk transactions and when instant payments fail. As ACH gets faster and safer, consumer appetite for instant payments will grow in tandem spawning new use cases.

In 2025 and beyond, payment systems can pick RTP, FedNow, ACH or wire based.

Digital-First, Not Digital-Only: APAC Banks Still Betting on Branches

A stylized illustration depicting the concept of open banking, showcasing a network of interconnected APIs facilitating seamless payments and elements representing traditional banking

ACH, FedNow, RTP: The Future of US Payments Is Multi-Rail

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