Rails & networks
What is Real-time payments?
Real-time payment rails settle funds in seconds, around the clock, with immediate finality — for example UPI (India), PIX (Brazil), FedNow and RTP (US), SEPA Instant (EU), and FAST (Singapore). They are the fastest pay-out option on many corridors and the main alternative to slow correspondent settlement.
Each market runs its own instant rail with its own rules, limits, and operating model. A cross-border orchestration layer's job is to reach the right local instant rail for the destination, converting a multi-day correspondent payment into a near-instant one.