Real-time money movement 24/7/365
Send and receive money over both instant payment rails: the Federal Reserve’s FedNow and the Clearing House’s Real-Time Payments (RTP). With 24/7/365 availability and settlement in seconds, your users can move money around the clock, including weekends and holidays.
One integration for both networks
Lead provides access to FedNow and RTP through a single API integration, giving you access to both instant payment networks without building separate connections or managing multiple banking relationships.
Always-on banking
Instant Payments operate 24 hours a day, 365 days a year, including nights, weekends, and holidays, so your product never has to wait for banking hours to move money.
Settlement in seconds
Unlike batch-based payment methods, Instant Payments settle in real time, making funds available to the recipient immediately.
Send and receive
Process incoming and outgoing instant payments through the same integration, supporting both sides of the payment flow.
One integration for both networks
Lead provides access to FedNow and RTP through a single API integration, giving you access to both instant payment networks without building separate connections or managing multiple banking relationships.
Always-on banking
Instant Payments operate 24 hours a day, 365 days a year, including nights, weekends, and holidays, so your product never has to wait for banking hours to move money.
Settlement in seconds
Unlike batch-based payment methods, Instant Payments settle in real time, making funds available to the recipient immediately.
Send and receive
Process incoming and outgoing instant payments through the same integration, supporting both sides of the payment flow.
The power of 24/7/365
In a world built around speed, Instant Payments enable your product to deliver on real-time expectations, moving money in seconds and running 24 hours a day, seven days a week, 365 days a year. For modern products that run on weekends, holidays, and outside banking hours, this is the only rail that can keep up. Power off-hours disbursements, earned wage access, wallet funding, and account transfers, all without a wait.
Reliable banking infrastructure
Behind every instant payment is a regulated bank operating the payment rails. Lead provides the charter, network connectivity, and operational expertise, giving you one banking partner and one point of accountability as you build real-time financial products.
Explore API docs
Build directly on Lead’s developer-first banking infrastructure. Our APIs are designed for straightforward integration, with the flexibility to scale as your product evolves.
