RTP
FPSThe Clearing House Real-Time Payments - the first modern instant payment system in the US (launched Nov 2017, 3 years before FedNow). 24/7/365. ISO 20022 native. Operated by TCH (same operator as CHIPS). Max $10M per transaction. Reaches 72%+ of US DDAs. From 4 October 2026 the RTP Operating Rules permit One-Leg-Out (OLO) payments, the U.S. leg of cross-border payments, for participants that opt into an early-adopter period; from 31 March 2028 all participants must receive inbound OLO payments. The Clearing House also plans an On-Chain Money network for tokenized deposits, powered by Quant, with connectivity to RTP and CHIPS, expected to be available to participating institutions in the first half of 2027.
ClearingPost does not assess whether RTP is running normally.
Next
All 1 upcoming →Dated items ClearingPost holds, each with its source and whether the date is confirmed
No supported upcoming items in ClearingPost's records for RTP.
Later: 1 dated item after 11 Oct 2027
Changed
All recorded changes →Material, sourced changes ClearingPost recorded; corrections to its own record are labelled as such
- Data updateRTP headline volume updated to 150 million (Q3 2026) · RTP average daily value increased to $6.9B (September 2026) · RTP participant count updated to Over 1,378 (September 2026)recorded 8 Oct 2026 · The Clearing House - RTP Network
Edition effective 4 October 2026. The Clearing House's summary of changes lists three parts: a framework for One-Leg-Out (OLO) payments, the U.S. leg of payments to or from a payer or payee outside the United States; changed rules for Requests for Payment that are RTP/Zelle Messages; and clarifying, conforming and clean-up changes. From 4 October 2026 to 30 March 2028 only participants that opt into the early-adopter period must comply with the OLO Framework; from 31 March 2028 all participants must receive inbound OLO payments. The OBO receiving-participant requirements in Section III.I.2 take effect on 31 March 2028.
took effect 4 Oct 2026 · The Clearing Housesource ↗Upcoming edition listed by The Clearing House as 'Upcoming RTP Operating Rules: Effective 09-30-2026' and published at https://www.theclearinghouse.org/-/media/New/TCH/Documents/Payment-Systems/RTP/RTP-Operating-Rules-Effective-September-30-2026.pdf. The cover reads 'RTP Operating Rules, September 30, 2026'. The document's Revision History states the edition was initially published in December 2025 following approval of changes regarding Indirect Domestic Send (IDS) Payments. The Revision History states an updated version was published in April 2026 to incorporate additional changes related to the Liquidity Management Transfer (LMT) Service and to make formatting enhancements. The Revision History records that the LMT Service changes were approved on 13 April 2026 and take effect on 1 June 2026. Supersedes the edition effective 1 June 2026.
took effect 30 Sep 2026 · The Clearing Housesource ↗Upcoming edition listed by The Clearing House as 'Upcoming RTP Participation Rules: Effective 09-30-2026' and published at https://www.theclearinghouse.org/-/media/New/TCH/Documents/Payment-Systems/RTP/RTP-Participation-Rules-Effective-September-30-2026.pdf. The TCH document library also lists a summary-of-changes document aligned with the 30 September 2026 effective date. Supersedes the edition effective 1 June 2026, which the document library labelled 'Current RTP Participation Rules: Effective 06-01-2026' as of 8 September 2026.
took effect 30 Sep 2026 · The Clearing Housesource ↗- 1,322+ (July 2026) changed to 1,357+ (Aug 2026)recorded 13 Sep 2026 · Real Time Payments | The Clearing Housesource ↗
Rules & documents
All 4 documents ↓The rulebooks, operating rules and standards documents ClearingPost holds for RTP, each with its current version, or the latest published one when none is in force yet
- RTP System Operating RulesThe Clearing House · Effective 10-04-2026 · Effective Oct 4, 2026 · Authoritative (T1)
- RTP Participation RulesThe Clearing House · Effective 09-30-2026 · Effective Sep 30, 2026 · Authoritative (T1)
- RTP Customer Display Requirements for Credit Transfers and Requests for PaymentThe Clearing House · 5.0 (June 2026) · Authoritative (T1)
Sources No status page recorded · 8 of 16 fields carry a source and a recorded date · latest sourced entry recorded 10 Oct 2026 · evidence details ↓
Record · RTP
Cumulative since the November 2017 launch, The Clearing House reports over 1.8 billion transactions cleared and settled worth over $3.6 trillion, re-verified on the RTP page on 10 October 2026. This supersedes the earlier 1.7 billion and $3.4 trillion pair, for which no stored capture existed. TCH also reports 100 percent uptime with no scheduled downtime.
Edition effective 4 October 2026. The Clearing House's summary of changes lists three parts: a framework for One-Leg-Out (OLO) payments, the U.S. leg of payments to or from a payer or payee outside the United States; changed rules for Requests for Payment that are RTP/Zelle Messages; and clarifying, conforming and clean-up changes. From 4 October 2026 to 30 March 2028 only participants that opt into the early-adopter period must comply with the OLO Framework; from 31 March 2028 all participants must receive inbound OLO payments. The OBO receiving-participant requirements in Section III.I.2 take effect on 31 March 2028.
Upcoming edition listed by The Clearing House as 'Upcoming RTP Participation Rules: Effective 09-30-2026' and published at https://www.theclearinghouse.org/-/media/New/TCH/Documents/Payment-Systems/RTP/RTP-Participation-Rules-Effective-September-30-2026.pdf. The TCH document library also lists a summary-of-changes document aligned with the 30 September 2026 effective date. Supersedes the edition effective 1 June 2026, which the document library labelled 'Current RTP Participation Rules: Effective 06-01-2026' as of 8 September 2026.
Version 5.0 of June 2026, part of the RTP Technical Specifications. It removes the 1 July 2026 compliance-date option and adds truncation guidance for name fields. From 1 February 2027 a Receiving Participant must display the required credit transfer (pacs.008) fields to the receiving customer; the February 2026 revision it supersedes had allowed a choice between an interim and a final approach until 31 January 2027. For Participants that have selected a Request for Payment message persona, the 5.0 requirements for Requests for Payment and responses replace the 3.0 requirements on the date the Participant goes live with the 5.0 Message Specification.
Version 5.0 of the RTP message specifications, whose change history begins with an August 2024 entry, revised in October 2026: the revision adds product usage requiring an address when Ultimate Debtor is present (Index 2.732), clarifies when the Connectivity Status Broadcast (960) is sent and adds the purpose code TRAD. The June 2026 revision extended the temporary exception that lets Sending Participants include a code in the Debtor name field for instant bank account validation; the specification permits such a code through 31 January 2027.
Operations · RTP
Operational monitoring: not configured. ClearingPost does not monitor operational sources for this system and does not assess its current service condition.
Operations lists the systems ClearingPost monitors and the operational events it has recorded.
Intelligence for RTP (14)
Coverage whose headline or summary names RTP, or names its operator or country together with its system type. Each item quotes that evidence and says whether the source is the RTP operator or external.
Wider coverage that mentions RTP (2)
These articles mention RTP in their text but not in their headline or summary, so they are listed as context rather than as RTP intelligence.