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Up to this point, US financial institutions have relied on The Clearing House ‘s (TCH) Real-Time Payments Network (RTP), run by big banks. Banks have a difficult choice between TCH’s RTP network and the new kid on the block, FedNow. “RTP What is actually popular? Are instant payment methods becoming more mainstream in the US?
ISO 20022 is also sometimes related to the programming language XML, but those two are also not one and the same. ISO 20022 Stakeholder Group, which includes the Fed, X9 and TCH, is aimed at exploring how valuable the standard can be for various payment types in the U.S. It’s not one and the same.”.
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