Regulated Banking Rail Banking Network Live

FedNow & RTP (Instant Bank Transfer)

Real-time interbank settlement delivering funds into US bank accounts within seconds, 24 hours a day, 365 days a year.

Credit AvailabilityImmediate (< 5s)

Operating Window24/7/365 Nonstop

Messaging StandardISO 20022

Clearing EntityFedNow / TCH

Architectural Highlights

ISO 20022 Native Orchestration: Programmatically formats pacs.008.001.08 FI-to-FI Customer Credit Transfer messages and processes instant pacs.002 status acknowledgments.
Automated Fallback to Same-Day ACH: If recipient routing transit number (RTN) does not support FedNow or RTP receive capabilities, the payout automatically falls back to Same-Day or Next-Day ACH without developer intervention.
Encrypted Account Tokenization: Routing numbers and account numbers are never exposed in plaintext logs and are tokenized via banking partner endpoints.

Dispatch Example Payload

curl -X POST https://api.instapayipx.com/api/v1/payout \
  -H "Authorization: Bearer ipx_live_..." \
  -H "Content-Type: application/json" \
  -d '{
    "rail": "instant_bank",
    "workerId": "wrk_9948271",
    "routingNumber": "121000358",
    "accountNumber": "9876543210",
    "amount": "250.00",
    "currency": "USD",
    "memo": "Construction milestone payout"
  }'

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