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What 17 Payments Experts Expect From Instant Payments in 2024 and Beyond


2023 stands out as a banner year for instant payments.

The FedNow® Service became the newest rail in the United States, closing 2023 with more than 300 financial institutions signing on and using the instant payment network. And The Clearing House’s RTP® Network, which has been operational for more than six years, came into the summer having crossed a significant milestone with more than half a billion instant payments, cumulatively, with more than 350 participating FIs.

The use cases will proliferate as more banks sign on and as more businesses find that consumers are demanding speedier fund flows. In the comments that follow, 17 executives with a front-row seat to the continued rise of instant payments weigh in on the trends that will evolve in the near term — and what the long-term roadmap looks like too.


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