BENTONVILLE, AR, UNITED STATES, September 10, 2026 /EINPresswire.com/ — The U.S. Faster Payments Council (FPC), a membership organization dedicated to promoting secure and user-friendly faster payments across the United States, has released a new report from its Digital Assets Work Group: A Comprehensive Look at the U.S. Faster Payments Landscape for Optimal Operation.
This document investigates the expanding array of payment choices now accessible in the U.S. and offers a thorough side-by-side evaluation of the FedNow® Service, RTP® Network, Visa® Direct, Mastercard Send™, Same Day ACH, stablecoins, and tokenized deposits. It delves into how these various methods differ regarding settlement, finality, speed, transaction limits, fraud management, governance, liquidity, and other crucial attributes.
“This report is a strong example of the valuable industry insight the U.S. Faster Payments Council brings to the market,” said Larry Pruss, Managing Director at Strategic Resource Management (SRM) and Vice Chair of the Digital Assets Work Group. “The depth and diversity of experience across the team is evident throughout the work, providing a comprehensive and practical perspective on the evolving U.S. faster payments landscape.”
The report underscores the unique capabilities that different payment methods can deliver. The FedNow Service and RTP Network enable domestic instant settlement, whereas Visa Direct and Mastercard Send facilitate card-based payouts and extensive network reach. Same Day ACH continues to be a vital choice for high-volume batch processing. Meanwhile, stablecoins and tokenized deposits bring programmable features and fresh settlement mechanisms into the mix.
Beyond a simple breakdown of individual payment rails, the report investigates the operational factors that may shape how organizations decide on the best approach for a given scenario. These factors encompass funds availability, settlement certainty, messaging and data capabilities, liquidity management, fraud prevention and mitigation, governance, and programmability. The report also tackles interoperability hurdles within the U.S. payments ecosystem and the rising significance of payment orchestration.
“The U.S. faster payments landscape is becoming more diverse, and the availability of rails with different features provides users with options to meet their needs,” said Reed Luhtanen, FPC Executive Director and CEO. “This report gives organizations a valuable resource for understanding the characteristics of each option and considering how they can work together. By bringing these different approaches into one resource, we hope to help the industry better understand the opportunities ahead and how faster payments can deliver greater value.”
The report further explores how faster payment options can serve a variety of use cases, such as earned wage access, insurance claim payouts, B2B payments, treasury and cash concentration, consumer bill pay, government disbursements, Pay by Bank, loan disbursements, and brokerage sweeps. Through linking these applications with the specific traits of each payment method, the report supplies additional insight for organizations evaluating which options might best suit their operational and client requirements.
The complete report, A Comprehensive Look at the U.S. Faster Payments Landscape for Optimal Operation, can be downloaded from the FPC's Faster Payments Knowledge Center.
To learn more about the FPC, its ongoing projects, or how to become a member, visit FasterPaymentsCouncil.org.
Contact:
Elizabeth Grice
U.S. Faster Payments Council
720-737-7368
egrice@fasterpaymentscouncil.org
About the U.S. Faster Payments Council (FPC)
The FPC is an industry-led membership organization whose vision is a world-class payment system where Americans can safely and securely pay anyone, anywhere, at any time and with near-immediate funds availability. By design, the FPC encourages a diverse range of perspectives and is open to all stakeholders in the U.S. payment system. Guided by principles of fairness, inclusiveness, flexibility and transparency, the FPC uses collaborative, problem-solving approaches to resolve the issues that are inhibiting broad faster payments adoption in this country. For more information, please visit FasterPaymentsCouncil.org and follow the FPC on LinkedIn and X.
Elizabeth Grice
U.S. Faster Payments Council
email us here
Visit us on social media:
LinkedIn
X
