We ship US payment rails integration.
Not generalist fractional-CTO work. We design and build the integration of RTP, FedNow, FedWire, ACH, and the ISO 20022 messaging that runs across them — and we run the program around it: architecture, provider selection, certification, and a sequenced multi-month delivery until the rail is live.
Two modes, one team: advisory when you need an assessment, an architecture, or a roadmap — hands-on build when you need it in production.
The rails we work on every day
- RTP — The Clearing House
- FedNow
- FedWire
- ACH — Nacha
- ISO 20022
Built for teams that have to move US dollars — and get it right the first time
Foreign banks and neobanks entering the US
You have customers, a licence path, and no US payments muscle yet. We're the bridge between your core and the US rails, whatever your charter timeline.
Fintechs that move money
You need RTP, FedNow, or ACH connectivity through a sponsor bank or processor, built to survive compliance review and scale past your first year.
Sponsor banks, BaaS platforms, and processors expanding rails
You're adding instant payments or ISO 20022 to an existing stack and can't afford a certification detour.
Experience at
- American Express
- USAA
- Western Alliance Bank
- Foundations Investment Advisors
Where our team learned this work — inside regulated US payments and banking, not from the outside.
Advise and build — the same expertise, two modes
Most firms do one or the other. The difference is scar tissue: real ISO 20022 validation failures, cutoff-time edge cases, return-code surprises, and certification detours we've already paid for, applied whether you need a plan or a production system.
Advisory
Rail integration assessments, payments architecture, and roadmaps — plus the decisions around them: build-vs-buy, provider and sponsor-bank selection, certification path. You get a sequenced plan you can execute, with us or without us.
Hands-on build
Integration delivery and program leadership: ISO 20022 message layer, network adapters, routing and failover, sandbox and certification, production go-live, and hypercare — on an embedded team model with your engineers, and a full handover at the end.
Recent work
US market entry for a European digital bank — one ISO 20022 messaging layer spanning RTP, FedWire, and ACH with automated routing and failover, designed to survive a charter timeline that moved.
Start with the Rail Integration Assessment
Fixed scope, fixed fee, one to two weeks. An independent, senior-led read of your rails readiness and a sequenced integration roadmap you own — it de-risks the larger build before you commit to it. You're buying a roadmap, not hours.