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The RTP network gives the banking industry a modern platform for 247 domestic realtime payments which include rich data capabilities and immediate payment confirmation The network enables instantaneous settlement and availability so funds can be used or withdrawn as cash within seconds TCH is owned by 24 of the largest banks in the US
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These new types of transfers are known as realtime payments RTP What are realtime payments The term realtime payments RTP refers to any type of accounttoaccount transfer that allows funds to be available immediately to the beneficiary While settlement times can differ depending on which realtime payment processing scheme is
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The Clearing House launched the RTP network in 2017 to bring instant payments to the United States Today the RTP network reaches 70 of US demand deposit accounts DDAs with an incremental technical reach to financial institutions that hold close to 90 of DDAs 1 The RTP network was built for financial institutions of all sizes and serves as a platform for innovation allowing
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Currently 25 banks in the US support either receiving or sending RTP History of RTP RTP was first launched in 2017 and is the newest electronic bank payment method available today The network is managed by The Clearing House a membership organization owned by all the major US banks It was the first new payment rail to be launched in the
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