2026-01-16 Return to Briefing

Real-Time Payment Orchestration (FedNow)

Real-Time Payment Orchestration (FedNow)

RTP and FedNow are crossing the chasm to mainstream adoption, with FedNow seeing 400% YoY growth. Instant disbursements are becoming a core consumer expectation and a $19 trillion B2B opportunity.

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With over 1,400 banks participating in FedNow, real-time payments are transforming payroll, treasury, and liquidity management. Deloitte forecasts a massive shift away from ACH and paper checks by 2028, making orchestration a critical UX and revenue differentiator.