Insights

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Rethinking Tax Refunds in an Instant Payments World

April 13, 2026

As expectations for instant access to funds rise in the U.S., here is how the RTP® network is enabling real-time tax refunds and transforming one of the country’s largest annual payments events.
Modern Liquidity Management and the Strategic Role of the CHIPS® Network

April 12, 2026

Given today’s volatile geopolitical climate, enhanced control over intraday USD liquidity is critical. By maximizing the strategic value of the CHIPS network, banks can unlock trapped liquidity, reinforce resilience to market shocks, and optimize capital efficiency.
More than Instant Payments: How Randolph-Brooks Realized Operational Efficiencies with the RTP® network

March 11, 2026

Randolph-Brooks Federal Credit Union built a thoughtful business case for real-time paymentsand discovered that in addition to instant funds availability, the RTP® network delivered meaningful operational efficiencies, scalable growth, and a foundation for the future.
Instant Payments Give Suncoast Credit Union Members Faster Access to Their Money

February 10, 2026

Suncoast Credit Union’s RTP^® network adoption shows howaccess to real-time payments creates immediate member value by delivering instant access to funds, boosting financial inclusion, and increasing deposits.
How NFTYDoor Created a Competitive Advantage for HELOC Lending with Instant Payments

January 07, 2026

A fully digital process, automated underwriting, and instant payments provide a competitive advantage over other lenders that rely on paper-based, legacy application methods.
Precision, Not Just Speed: How Instant Payments Are Becoming a Corporate Growth Tool

December 05, 2025

Instant payments are entering a new phase of corporate adoption, shifting from a speed-focused narrative to a powerful tool for precision, efficiency, and customer experience.
Navigating a New Era in Financial Services: Regulatory Tailwinds, Stablecoin Frameworks, Evolving Payments, and AI Acceleration

November 25, 2025

The U.S. financial system is undergoing one of its most consequential periods of transition in decades. Regulatory recalibration, Congressional action on digital assets, the ongoing advancement of payments to meet evolving consumer demands, and the unprecedented acceleration of artificial intelligence are converging to reshape how banks operate, invest, and compete.
The Future of U.S. Payments: An Interview with David Watson

November 24, 2025

Banking and payments are entering a new era – fueled by real-time money movement, AI-driven innovation, digital assets, and regulatory shifts.
How Chesapeake Bank Drives Innovation Through the RTP® Network

August 11, 2025

As one of the earliest adopters of the RTP® network, Chesapeake Bank, a community bank with deep roots in Virginia dating back 125 years, has been at the forefront of instant payments innovation.
Instant Payments, Instant Impact: How H&R Block and PNC Are Transforming Customer Service

July 09, 2025

H&R Block collaborated with PNC Bank to integrate instant payments over the RTP® network into its customer service strategy, offering an improved experience for clients while streamlining internal processes.

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