Emergency cash
Offer always-on payments, so customers can send urgent funds instantly anytime, day or night.
Problem:
Late at night, a teenager is stranded and needs money to get home safely. Without cash or available funds, they may have to ask a parent to come pick them up or wait for a digital transfer to cover transport costs. In urgent moments like this, waiting for funds isn’t just inconvenient — it’s a safety concern.
Solution:
The Real-Time Rail ensures money is received instantly, even in the middle of the night. This gives the teen the ability to arrange safe transportation home right away.
What this unlocks for you:
Urgent, always-available payments deepen reliance on your institution
Always-on payments reinforce confidence that your digital channels are available when it matters most
Note: As the RTR matures, more payment types and fintechs are expected to introduce real-time capabilities. This use case library highlights potential near- and longer-term opportunities. At launch, most payments are expected to continue using batch processes.