TCH operates core payments systems in the U.S. that clear and settle $2+ trillion each business day through wire, ACH, check image, and instant payments.
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What happens when smart contracts meet instant payments?
In the latest Payments Nerds® episode, Pushkar Rao of @Worley_ECR and Preeti Chaturvedi of @HSBC share how the two organizations worked together to modernize vendor payments for large, complex capital projects.
Worley combined its blockchain-enabled smart payments platform with HSBC’s payment orchestration capabilities to automate processes and route payments over the RTP® network, helping deliver greater speed, predictability, and visibility.
The pilot demonstrated some compelling business outcomes:
• RTP payments provide near-instant confirmation
• Real-time tracking gives project teams greater visibility into payment status
• Automation reduces manual touchpoints and operational friction
• Faster payments could create opportunities for early-payment discounts and stronger vendor relationships
As Pushkar explained, the opportunity goes beyond simply moving money faster: better payment processes can help reduce project risk and create a competitive advantage.
Listen to the latest Payments Nerds episode to hear more:
theclearinghouse.org/About/P…
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4. From Payment Rails to Connectivity | Payments Cannot Fail ft. David Watson
piped.video/watch?v=Ebo0pXxm… / Form3
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What if your tax refund arrived days or weeks earlier than expected?
In the latest Payments Nerds® podcast, Republic Bank's William Nelson and Natasha Dobson discuss how instant payments over the RTP® network are transforming the tax refund experience for customers.
From weekend refund advances to delivering IRS refunds much faster, they break down how instant payments are improving customer cash flow, reducing friction, and meeting growing consumer expectations for instant access to money.
This episode covers:
--How the RTP network is speeding up tax refund delivery
--Why instant payments matter for consumers living paycheck to paycheck
--The banks can overcome potential operational obstacles to instant payments
--How customer expectations are shaping the future of banking
--What’s next for RTP adoption and tax refund innovation
As Natasha Dobson says, faster payments are no longer a “premium feature” — they are the expectation.
Tune in to hear how Republic Bank is meeting and exceeding customer expectations with faster tax refunds:
theclearinghouse.org/About/P…
#Payments #RealTimePayments #RTP #TaxRefunds #InstantPayments #PaymentsNerds
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@Huntington_Bank has joined the CHIPS® network, the world’s largest private-sector U.S. dollar clearing and settlement system.
By joining the CHIPS network, Huntington Bank expands its ability to send and receive high-value domestic payments through a secure, resilient, and liquidity-efficient infrastructure trusted by financial institutions globally.
“Huntington’s participation in the CHIPS network strengthens its ability to deliver reliable, high-value, and scalable payment solutions to clients,” said Deepak Kapoor, Head of Payments Product at Huntington Bank.
As demand for efficient, resilient payment infrastructure continues to grow, the CHIPS network remains focused on supporting the evolving needs of the payments ecosystem through expanded participation, ISO 20022 adoption, and enhanced network capabilities, including extended hours. The network processes more than $2 trillion in payments daily and delivers significant economic value by reducing funding demands while supporting growing payment volumes.
Read more:
lnkd.in/gBHWWhV7
Michael Knorr Richard Dzina
#Payments #Banking #CHIPS #TreasuryManagement #LiquidityManagement
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The shift to instant payments continues to accelerate.
On May 1, the RTP® network reached a new milestone — processing a record 2.27 million transactions worth $8.62 billion in a single day.
From instant tax refunds helping consumers access funds faster, to financial institutions and corporates moving high-value and time-sensitive payments with certainty, the demand for real-time money movement is growing across the U.S. economy.
Key highlights:
• 78% increase in instant tax refund disbursements in 2026 vs. 2025 to date
• More than 1.5 million RTP transactions processed daily
• Expanding use cases including treasury management, supplier payments, insurance, and healthcare disbursements
As instant payments approach $500 billion in quarterly value, the RTP network continues to serve as critical infrastructure powering faster, smarter, and more reliable payments nationwide.
Read more:
lnkd.in/gCpSwrMx
#InstantPayments #RTPNetwork #Payments #Fintech #RealTimePayments #TaxReturn
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In today’s uncertain economic environment, it’s critical for financial institutions to maintain control and flexibility over their liquidity – especially when sending high-value payments domestically and cross-border. Through the patented liquidity algorithm on the CHIPS® network, banks are better equipped to navigate evolving market condition while freeing up funding for lending and investments.
In 2025, increased network activity on the CHIPS network contributed to greater economic value for participants. Key 2025 highlights include:
--Average daily value increased 9% to $2.014 trillion
--Average daily volume increased 12%
--$5.5 billion in annualized economic savings
--26:1 liquidity efficiency
These results reflect more than growth: they demonstrate how participants can process higher volumes while maintaining control over intraday liquidity, even in periods of heightened uncertainty.
Read more:
theclearinghouse.org/payment…
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Busy start to Q2? Get up to speed on this week’s top #payments news with our #WeekendReads ⬇️
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For our final #WeekendReads of 2025, we’re looking back at the year’s most notable moments and milestones. Dive into our top news coverage from 2025 featuring @TCHtweets ⬇️
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Stay ahead of the curve with this week’s must-read #payments stories in our #WeekendReads ⬇️
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The RTP® network set a new single-day volume record with 1.83 million transactions on Friday, Dec. 5.
Following a record setting November, where the CHIPS®, EPN® and RTP® networks all set milestones, the new RTP volume benchmark highlights the accelerating adoption of modern electronic payments across payment types and the benefits banks gain from CHIPS’ liquidity efficiency, EPN’s reliability at scale, and the RTP network’s instant payments and settlement.
-CHIPS records: 1.21M payments, and $2.97T in value on a single day (Nov. 28)
-EPN record: $362.9B in daily value (Nov. 26)
-RTP milestone: $1.3T in 2025, up from $246B in all of 2024
Read the November announcement:
theclearinghouse.org/payment…
#RTP #InstantPayments #CHIPS #EPN #TheClearingHouse #DigitalPayments
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We thought these #payments articles might spark your interest. Dive into this week’s #WeekendReads ⬇️
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Instant payments are gaining momentum, and The Clearing House is leading the way. In this @AmerBanker interview with @cschoenberger, Selcuk Karakaplan, Chief Strategy Officer at The Clearing House, shares how the RTP® network now accounts for 98% of U.S. instant payments, with over 1,000 banks and credit unions live on the system. With strong growth in use cases like loan disbursements, earned wage access, A2A, and merchant settlement, adoption is accelerating. Sal also highlights innovation around fraud prevention and The Clearing House's Token Service.
americanbanker.com/leaders/h…
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As one of the first adopters of the RTP® network, @chesbank has turned instant payments into real-world solutions for its customers.
DJ Seeterlin, president of Chesapeake Payment Systems, a division of Chesapeake Bank, says that through smart experimentation and strategic partnerships the bank has:
✅ Launched real-time merchant settlements
✅ Enhanced cash flow for businesses via Flexent
✅ Helped build Rebolt Financial Technologies™, a new fintech platform for SMBs
✅ Created revenue-positive products—without increasing staff
Read how this 125-year-old community bank is shaping the future of payments:
theclearinghouse.org/payment…
#InstantPayments #RTP #CommunityBank #Fintech #Innovation
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New Podcast Drop: The Future of Lending is Instant
On this Payments Nerds® episode, we explore how instant payments on the RTP® network are revolutionizing access to home equity.
Jonathan Spinetto, Co-Founder & Managing Director at @nftydoor, shares how they’re closing #HELOC in as little as 6 days — and even funding loans on weekends and holidays thanks to the RTP system. Ani Narayan, Product Lead at @ModernTreasury, also joins to break down the infrastructure powering this speed, and how companies are using real-time rails to improve UX, reduce fraud, and build a competitive edge.
This episode is packed with insights on:
✅ Why 80% of NFTYDoor’s loans now fund via the RTP network
✅ How instant payments unlock better borrower experiences
✅ What it takes to verify, disburse, and reconcile payments in seconds
✅ Use cases beyond lending — payroll, gig economy, instant account verification
Listen now to hear how instant payments are shaping the next era of finance:
podcasts.apple.com/us/podcas…
open.spotify.com/episode/3Ox…
#RTP #Fintech #MortgageTech #HELOC #InstantPayments #DigitalLending #RealTimeFinance
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The real-time payments revolution is here — and it's getting bigger.
In Q2 2025, the RTP® network, which averages 1.18 million payments each day, processed $481 billion in payments, marking a 195% jump in value from Q1. With the new $10M transaction limit, businesses are using the network to move funds faster, in larger amounts, and with more control than ever before.
The data is clear — the RTP network is leading instant payments:
--Average payment size soared from $842 in January to over $4,000 by June.
--300,000+ businesses are using RTP each month—for vendor payments, supply chains, real estate, and more.
--Over 1,000 banks and credit unions are now live on the network.
Read more:
theclearinghouse.org/payment…
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@ComericaBank worked with The Clearing House to pioneer a major milestone for the RTP® network: the successful execution of one of the first-ever “on behalf of” (OBO) payments under the revised RTP rules.
With the updated OBO rules, businesses like @Monex_USA, a leading provider of international payments, can now send domestic instant payments on behalf of clients — with full transparency, reduced friction, and no cutoff times.
Watch Comerica’s Allysun Fleming and TCH’s Cheryl Gurz discuss the #OBO rules and what it means for instant payments:
pymnts.com/real-time-payment…
#RealTimePayments #RTP @pymnts
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The RTP® network’s new $10 million transaction limit is a major leap forward that’s already unlocking new possibilities for higher-value, instant payments. This move empowers businesses and financial institutions with:
✅ Greater flexibility for large, time-sensitive payments
✅ Increased confidence to adopt real-time capabilities
✅ 24/7 availability for payments after normal business hours
Since the transaction limit was increased to $10 million from $1 million in February, the overall payment value has more than tripled on the RTP network!
Read the full story: theclearinghouse.org/payment…
@MargaretWeichert and @CitizensBank
#RTP #RealTimePayments #InstantPayments #B2BPayments
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FIs and their clients are leveraging the $10 million RTP® network transaction limit to open up new use cases for #instantpayments.
Read more: @BankofAmerica Clients Embrace New $10 Million Limit in U.S. Real-Time Payments
newsroom.bankofamerica.com/c…
#RTP #corporates
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New Payments Nerds® Podcast:
How Corporates Are Powering Growth with Instant Payments
From gig economy payouts to $10M B2B transfers, instant payments on the RTP® network are no longer just a trend: they're transforming how businesses operate. Irfan Ahmad from @BankofAmerica Business, and Leo Lipis of Lipis Advisors break down why speed is not the only benefit of instant payments, how corporates are unlocking better customer experiences, stronger cash flow, new revenue opportunities, as well as the use cases driving adoption:
--Freight Factoring
--Insurance disbursements
--Digital Wallet Defunding
--Supply chain payments
--Earned wage access
Listen and subscribe:
lnkd.in/gfrZ4Xtr
#InstantPayments #RealTimePayments #CorporateFinance #Treasury #B2BPayments #RTP
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Payments Nerds® Podcast Alert!
Building the Better Payments Journey: Innovation, Rails, and Customer Experience
On this episode, a powerhouse panel of payments experts, including Matthew Friend from @jpmorganchase, Steve Kenneally, from the @ABABankers, and Margaret M Weichert of The Clearing House, unpack the evolving landscape of payments in the U.S. From real-time rails to customer expectations, they explore how innovation, data, and collaboration are reshaping the journey. Discover why seamless, secure, and smarter payments matter more than speed alone—and what it takes to meet diverse needs in a decentralized financial ecosystem.
Listen and Subscribe:
podcasts.apple.com/us/podcas…
open.spotify.com/episode/2la…
#instantpayments #Innovation #RTP
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Payments Nerds® Podcast Alert: Real-Time Payments – From Concept to Competitive Advantage
Instant payments are no longer optional – they’re expected. In our latest episode, we sit down with Kathryn Duffer from @firstib, Colin Eagan from @VeridianCU, and Mark Majeske @Alacriti to explore how they made the leap to real-time payments and enabling send capabilities.
Tune in to hear:
✔️ Tips for building a business case
✔️ Lessons from early adopters
✔️ Impacts on deposit growth
✔️ How the RTP® network is reshaping expectations
Listen and Subscribe:
podcasts.apple.com/us/podcas…
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Revolutionizing Payments: HSBC’s Tom Halpin on the Booming Payments Industry
In an era of rapid technological advancements, the payments industry is evolving faster than ever. In this must-listen Payments Nerds® podcast, Tom Halpin of @HSBC takes us on a deep dive into how innovation, speed, and security are redefining payments.
Key Insights include:
--The explosive growth in all types of payments
--The rise of real-time transactions and the move to ISO 20022
--HSBC’s vision for payments in 2025 and beyond
Listen and subscribe now:
podcasts.apple.com/us/podcas…
#Payments #DigitalTransformation #FinTech #RealTimePayments #ISO20022 #RTP #CHIPS
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