What is RTP (real-time payments)?
Instant, always-on, and final — how real-time payments change what a payout can feel like.
RTP — real-time payments — is a rail that clears in seconds, any hour of any day, including weekends and holidays. Once an RTP credit lands, it's final. There is no batch, no next-business-day, and no clawback.
How it differs from ACH
Where ACH is cheap and batched, RTP is instant and irrevocable. That makes RTP ideal when the recipient is waiting on the money — a driver at the end of a load, a payout a customer expects now — and it makes pre-send checks essential, because there is no take-back.
Irrevocability is a feature and a responsibility
Because an RTP credit can't be reversed, the discipline moves to before the send: verify the receiver, confirm the balance, apply approval policy. Get those right and RTP is the best payout experience there is.
On DigitalTreasury
RTP is one payment order with the same shape as ACH — but gated by the same approval and balance checks, precisely because it's final. FedNow, the Federal Reserve's instant rail, follows the same model on the platform.
ACH vs. wire transfer: what's the difference?
Both move money bank-to-bank — but speed, cost and reversibility make them very different tools.
What is ACH?
The batch network that moves most US bank-to-bank money — how credits, debits and returns actually work.
What are stablecoin payments (USDC)?
Dollar-pegged tokens that settle on-chain — and how they sit next to fiat rails in one ledger.