> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.coinflow.cash/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.coinflow.cash/_mcp/server.

# RTP (Real-Time Payments)

## Real-Time Payments (RTP)

RTP is an electronic payment rail operated by The Clearing House that allows funds to be transferred almost instantly between bank accounts.

### Implementation

When initiating a payout, pass `speed = "asap"` to use RTP.

### Requirements

* User must be verified with US KYC
* User must have a linked US bank account
* Bank must support RTP (approximately 80% of US depository accounts)

See [US Banks eligible for RTP](https://www.theclearinghouse.org/payment-system/guides/payouts/beyond-payouts/understanding-payout-speeds/RTP-Participating-Financial-Institutions)

### Settlement Time

Instant - Available 24/7/365