In this episode, Adam Shannon, a Founding Engineer at Moov Financial talks about direct integrations with The Clearing House and the Fed. What are the implications of such connections, how do they benefit the end user, improve the flow of funds and who should concern themselves with such connections.


Clarification regarding our comments about settlement delays: we talk about payment infrastructure at a high level in this episode, and some examples of settlement timing are simplified. Payments are still required to move through regulated financial institutions and sponsor banks.


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Some of the topics that were covered:

  • How does ACH/RTP/FedNow work in general? Structure of fund flow and settlement.

  • What does it mean to connect directly with TCH/Fed?

  • How does that actually work and what’s the benefit?

  • Who compiles the transaction files in this case and where is the sponsor bank playing a role?

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