BENTONVILLE, AR, UNITED STATES, September 10, 2026 /EINPresswire.com/ — The U.S. Faster Payments Council (FPC), a membership organization dedicated to advancing secure, user-friendly faster payments throughout the United States, has released a new report prepared by the FPC Digital Assets Work Group: A Comprehensive Look at the U.S. Faster Payments Landscape for Optimal Operation.
This publication examines the expanding array of payment choices available across the United States and offers a thorough comparison of the FedNow® Service, RTP® Network, Visa® Direct, Mastercard Send™, Same Day ACH, stablecoins, and tokenized deposits. It investigates how these options vary in areas such as settlement, finality, speed, transaction limits, fraud management, governance, liquidity, and other critical attributes.
“This report serves as a powerful demonstration of the valuable market insight the U.S. Faster Payments Council consistently delivers,” said Larry Pruss, Managing Director at Strategic Resource Management (SRM) and Vice Chair of the Digital Assets Work Group. “The breadth and variety of expertise among the team is clearly reflected throughout the document, offering a thorough and pragmatic view of the changing U.S. faster payments ecosystem.”
The report emphasizes the unique capabilities each payment method can bring. The FedNow Service and RTP Network enable instant domestic settlement, while Visa Direct and Mastercard Send facilitate card-based disbursements with extensive reach. Same Day ACH continues to serve as a vital tool for high-volume batch transactions. Meanwhile, stablecoins and tokenized deposits introduce programmable features and novel settlement mechanisms.
Going beyond an analysis of individual payment types, the report explores operational factors that can shape how organizations select the best approach for a given use case. These considerations include funds availability, settlement certainty, messaging and data capabilities, liquidity management, fraud prevention and mitigation, governance, and programmability. The report also addresses interoperability challenges across the U.S. payments environment and the rising significance of payment orchestration.
“The U.S. faster payments landscape is growing more varied, and the presence of rails with different attributes gives users options that align with their requirements,” said Reed Luhtanen, FPC Executive Director and CEO. “This report provides organizations with a useful tool for understanding each option’s characteristics and considering how they might complement one another. By consolidating these various approaches into a single resource, we aim to help the industry grasp the opportunities ahead and realize greater value from faster payments.”
The report also examines how faster payment options can support a broad spectrum of use cases, including 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. By looking at these applications alongside the features of each payment option, the report offers additional context for organizations evaluating which methods may best suit their business and customer needs.
The full report, A Comprehensive Look at the U.S. Faster Payments Landscape for Optimal Operation, is available for download from the FPC's Faster Payments Knowledge Center.
For more information on the FPC, its ongoing initiatives or how to join, 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 with a vision of creating a world-class payment system where Americans can safely and securely send money to anyone, anywhere, at any time, with funds available almost instantly. By design, the FPC welcomes a wide variety of viewpoints and is open to all participants in the U.S. payment system. Guided by principles of fairness, inclusiveness, flexibility and transparency, the FPC employs collaborative, problem-solving methods to overcome the obstacles that are slowing broad adoption of faster payments in this country. For more details, please visit FasterPaymentsCouncil.org and follow the FPC on LinkedIn and X.
Elizabeth Grice
U.S. Faster Payments Council
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