Instant Payments Update: Where Are We With Stablecoin, RTP, FedNow & Same Day ACH

Learn what is changing with stablecoin, RTP, FedNow, and Same Day ACH and how your institution can prepare for new requirements, fraud risks, accountholder expectations, and critical deadlines through 2027.

The last twelve months have been the busiest rules year instant payments has ever had. Nacha phased in fraud monitoring for ODFIs and originators and ACH credit monitoring for RDFIs; new funds availability requirements for ACH credits that are not Same Day took effect September 18, 2026; and the Same Day ACH dollar limit is scheduled to rise to $10 million on September 17, 2027. The Clearing House updated the RTP Operating Rules effective September 30, 2026, and moved the network to a $10 million transaction limit, with the requirement to display RTP transaction detail to end customers now set for February 1, 2027. The FedNow service kept adding participants at a steady clip, raised its own limit to $10 million, and rolled out new risk mitigation tools including the Network Intelligence API. And the GENIUS Act put payment stablecoins on the clock, with the OCC proposing a full framework for permitted payment stablecoin issuers and a statutory effective date of January 18, 2027.

This update session will put all four rails on one page. For each one, we will cover where it stands today, what changed in the past year, what takes effect next, and what it actually means for your institution: who is sending, who is only receiving, where the volume and the value are going, where the fraud is showing up, and what your accountholders are about to start asking for. Attendees will leave with a four-rail scorecard, a dated calendar of rule changes through 2027, and a readiness checklist that turns all of it into a short list of decisions to make before year end.

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.