Finzly’s FedNow solution is a cloud‑native, core‑independent real‑time payments system that enables banks and financial institutions to send, receive, and request instant payments around the clock. Built on an API‑first architecture, it connects directly to the FedNow rail and also unifies operations with RTP, allowing institutions to manage both real‑time networks from a single platform. The solution includes message translation, compliance support, fraud controls, high‑availability infrastructure, and smart routing to alternative rails when needed. Financial institutions can launch instant payments rapidly, integrate with core and digital banking systems, and support advanced use cases such as loan funding, payroll, invoice payments, and embedded payment experiences.

Key Features

Full FedNow Rail Support Enables complete instant‑payment lifecycle.

• Send, receive, and request real‑time payments
• 24/7/365 availability with immediate settlement

Unified Platform for FedNow and RTP Manages both real‑time rails within one system.

• Shared workflows for both networks
• Simplified operations and expanded reach

Smart Routing & Orchestration Automatically selects the best rail based on eligibility and conditions.

• Intelligent fallback to alternate networks
• API‑driven decision logic

Cloud‑Native Infrastructure Ensures reliability and performance for instant payments.

• 99.99% availability
• Automated upgrades and compliance controls

Instant‑Payment APIs Supports embedded and automated payment use cases.

• Payouts, RFPs, cancellations
• Webhooks for real‑time status updates

Core‑Independent Integration Connects seamlessly to core, ERP, and banking systems.

• API‑based connectivity
• Works even if the core system goes offline

Benefits

Faster Launch of Instant Payments Rapid FedNow onboarding without complex builds.

• Deploy in weeks
• Simplified connection via cloud platform

Expanded Revenue Opportunities Supports high‑value real‑time payment use cases.

• Embedded payments for SaaS and ERP
• Use cases like loan funding and real‑time collections

Improved Operational Efficiency Reduces complexity across payment channels.

• Unified management for FedNow and RTP
• Automated routing and monitoring

Greater Customer Value Enables instant movement of money for businesses and consumers.

• No cutoff times
• Real‑time settlement and notifications