Six stages, from core system assessment to go-live.
The same disciplined process whether you're pursuing FedNow, RTP, or both, and whether you're connecting directly or through a sponsor.
Core Banking System Assessment
A full review of your current core platform, payment processing flows, and existing ACH and wire infrastructure to establish what integration will actually require.
Rail Selection & Sponsor Relationship Setup
Deciding between FedNow, RTP, or both, and establishing direct Fed connectivity or a sponsor bank relationship depending on your institution's size and readiness.
ISO 20022 Message Mapping & Testing
Mapping your payment data into the required message format and testing against both send and receive scenarios before any real funds move.
Liquidity Management Configuration
Setting up the funding processes and liquidity transfer tools your institution needs to support settlement at any hour, including weekends and holidays.
Pilot Transaction Testing
Live testing with real, small-value transactions before full rollout, catching edge cases in a controlled setting rather than in production.
Go-Live & Ongoing Monitoring
Full production rollout with continued monitoring of settlement performance, liquidity usage, and messaging accuracy in the weeks that follow.
Almost never the message mapping. Almost always the liquidity conversation.
Formatting payment data into ISO 20022 is a solvable technical problem in days. Getting a board and treasury team genuinely comfortable with 24/7/365 funding exposure — including the Sunday 2 a.m. scenario nobody wants to think about — is where real engagements take time. We'd rather have that conversation thoroughly before go-live than field a liquidity crisis after it.