Finzly’s RTP solution provides a cloud‑native, API‑driven platform that enables financial institutions to send, receive, and manage instant payments over the Real‑Time Payments (RTP) network. It delivers end‑to‑end capabilities for processing, routing, compliance, and monitoring, allowing banks to operate RTP services independently of their core systems. The platform unifies RTP with other payment rails, supports ISO 20022 messaging, offers real‑time settlement visibility, and integrates with internal systems, digital banking channels, and external applications through open APIs. It is built to support 24/7 availability, real‑time event updates, and high‑volume throughput while maintaining operational transparency and strong security controls.

Key Features

Complete RTP Rail Support Enables full participation in the RTP network.

• Send, receive, and request instant payments
• Real‑time settlement and confirmation

Unified Real‑Time Payments Management Provides a single operational layer for all RTP activities.

• Centralized monitoring
• Consistent workflows for payment initiation and response handling

Smart Routing & Orchestration Selects the optimal route for real‑time transactions.

• Automated rules for routing
• Dynamic fallback paths if needed

ISO 20022‑Native Processing Supports structured payment data and modern messaging.

• Message translation
• Interoperable payment formats

Open API Architecture Enables broad integration and embedded payment use cases.

• APIs for initiating RTP payments
• Webhooks for real‑time payment events

Cloud‑Native Infrastructure Designed for reliability and scalability.

• High availability
• Automated operational controls

Benefits

Rapid Deployment of RTP Services Allows financial institutions to adopt RTP quickly.

• No core rebuild required
• Modular connection to the RTP network

Operational Efficiency Reduces complexity across real‑time payment processes.

• Unified workflows
• Automated routing and monitoring

Improved Customer & Business Value Enables instant money movement for a wide range of use cases.

• No waiting periods or cutoff windows
• Real‑time confirmation and visibility

Support for Advanced Use Cases Enables modern financial interactions.

• Instant payroll and disbursements
• Just‑in‑time funding and collections