The Federal Reserve made the FedNow Network Intelligence API generally available on May 14, 2026. The tool provides participating financial institutions with access to receiver account-level data observed across the FedNow network, enabling real-time risk assessment before payment execution.
The API initially launched on April 28 for early adopters. It joins the Federal Reserve Financial Services' existing fraud and risk mitigation suite, which includes an Account Takeover Fraud Mitigation Toolkit and the $10 million transaction limit introduced in 2025.
Nick Stanescu, Executive Vice President and CEO of the FedNow Service, said the tool delivers instant, network-level data insights that complement participants' existing risk management capabilities. Early testers reported straightforward integration and value from incorporating network-wide behavioral trends to identify anomalies.