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Money movement
Wires, RTP, and FedNow when the bank's risk program allows them
Last updated October 11, 2026
Wires, RTP and FedNow are your bank's rails, with your bank's limits and cutoffs. RTP and FedNow run 24/7 with a $10 million network cap; Fedwire runs business days and customer transfers cut off at 6:45 p.m. ET. We match you to a bank that will review those rails for your business and build the file. Subject to bank approval.
We place payment processing, business banking and crypto rails for high-growth, complex businesses with institutions that take the industry, then watch the chargeback ratios, reserves and reviews that get accounts closed, with more than one rail so one bank's no doesn't stop the business. Approval is never guaranteed.
Who it's for
- Businesses that want wires or real-time rails
- Fintechs settling to customers or merchants
- Operators whose current bank allows the account but not wires
What the bank needs
- Who you pay and who pays you
- Typical wire size and countries
- Ownership documents
- A reason the last bank limited wires, if it did
How do the rails compare?
- Fedwire: business days, 9:00 p.m. ET the prior evening to 7:00 p.m. ET; customer transfers cut off at 6:45 p.m. ET (Federal Reserve).
- RTP: 24/7/365, $10 million per transaction (The Clearing House).
- FedNow: 24/7/365, $10 million per credit transfer since November 12, 2025 (Federal Reserve).
Banks can set lower limits and earlier cutoffs. Full comparison: RTP vs FedNow vs wire.
Why would a bank open the account but limit wires?
Instant and wire payments are final and hard to recall. A bank weighs that against who you pay, how much and where. Clear counterparties and purposes are what move the limit.
How do we help?
We're not a bank, processor, or money transmitter. We structure the deal, build the file, and place it with institutions in our network: decades of relationships with 40+ financial institutions and solution providers. The bank decides, and approval is never guaranteed.