Accept and pay out via ACH and instant rails in the US
The US runs three speeds: ACH for cheap batched account-to-account, wires for guaranteed same-day, and the instant rails — The Clearing House’s RTP and the Federal Reserve’s FedNow — for 24/7 real-time credits. Picking the right rail per flow is where the savings live.
ACH / RTP / FedNow at a glance.
The essentials of United States’s payment infrastructure — what it is, who runs it, and how fast money actually moves.
| Rail | ACH — batched; RTP / FedNow — instant; wire — priority |
| Operator | Nacha; TCH; Federal Reserve |
| Clearing | ACH same/next-day; RTP & FedNow seconds |
| Availability | RTP 24/7/365; ACH business cycles |
| Identifiers | Account + routing number; virtual account options |
| Currency | USD |
Collecting and paying out.
Both directions of the flow, on one balance.
Pay in · ACH / RTP / FedNow
Pay-in flow: collect USD by ACH debit (authorised customers), virtual-account credit matching, or instant rails for time-sensitive checkout. Lower cost than cards for B2B invoices and subscription billing, with finality you can schedule around.
Pay out · ACH
Payout flow: run mass disbursements on ACH for cost, RTP/FedNow for speed — gig platforms, marketplace sellers, claims and affiliate payouts all fit the right rail. ApeX picks the lane per payout or per your rules.
Settle to stablecoin treasury.
Keep your USD balance for local spend, or convert to USDT / USDC and withdraw on-chain — the corridor where stablecoin settlement usually pays for itself.
One balance, two worlds
Settlement angle: keep a USD balance for American spend, or settle to USDT/USDC for global treasury — increasingly common for cross-border platforms that earn in dollars but spend elsewhere.
Payout rails covered
ACH, RTP, FedNow, wire, check. Disburse from the same balance you collect into — no separate funding wires.
Common questions.
When should I choose RTP or FedNow over ACH?
When the recipient needs funds now — instant rails run 24/7 and confirm in seconds; ACH is cheaper for scheduled or batch value. ApeX can route per-payout.
What is ACH same-day?
An ACH option that settles within the same business day for participating batches — a middle lane between next-day ACH and instant rails.
Can one balance serve both USD payouts and stablecoin settlement?
Yes — that is the ApeX model: collect, hold, pay out in USD, and convert to USDT/USDC whenever treasury wants on-chain.
Every market, one integration.
Collect USD locally and settle globally — or add any other corridor from the same balance.
Brazil · Pix
Local collections and payouts via Pix — settle to USDT / USDC or fiat.
India · UPI
Local collections and payouts via UPI — settle to USDT / USDC or fiat.
Philippines · GCash / Maya & InstaPay
Local collections and payouts via GCash / Maya & InstaPay — settle to USDT / USDC or fiat.
Indonesia · QRIS
Local collections and payouts via QRIS — settle to USDT / USDC or fiat.
Vietnam · MoMo / ZaloPay / VNPay & NAPAS
Local collections and payouts via MoMo / ZaloPay / VNPay & NAPAS — settle to USDT / USDC or fiat.
Thailand · PromptPay
Local collections and payouts via PromptPay — settle to USDT / USDC or fiat.
Mexico · SPEI
Local collections and payouts via SPEI — settle to USDT / USDC or fiat.
Colombia · PSE & Nequi
Local collections and payouts via PSE & Nequi — settle to USDT / USDC or fiat.
Nigeria · NIP bank transfers
Local collections and payouts via NIP bank transfers — settle to USDT / USDC or fiat.
Pakistan · Raast & JazzCash / Easypaisa
Local collections and payouts via Raast & JazzCash / Easypaisa — settle to USDT / USDC or fiat.
Kenya · M-Pesa
Local collections and payouts via M-Pesa — settle to USDT / USDC or fiat.
Argentina · Transferencias (CVU/alias)
Local collections and payouts via Transferencias (CVU/alias) — settle to USDT / USDC or fiat.
Singapore · PayNow / FAST
Local collections and payouts via PayNow / FAST — settle to USDT / USDC or fiat.
Malaysia · DuitNow / FPX
Local collections and payouts via DuitNow / FPX — settle to USDT / USDC or fiat.
Hong Kong SAR · FPS (Faster Payment System)
Local collections and payouts via FPS (Faster Payment System) — settle to USDT / USDC or fiat.
China · Alipay / WeChat Pay (cross-border)
Local collections and payouts via Alipay / WeChat Pay (cross-border) — settle to USDT / USDC or fiat.
United Kingdom · Faster Payments / Open Banking
Local collections and payouts via Faster Payments / Open Banking — settle to USDT / USDC or fiat.
European Union / SEPA · SEPA Credit Transfer & SCT Inst
Local collections and payouts via SEPA Credit Transfer & SCT Inst — settle to USDT / USDC or fiat.
Australia · NPP (PayID / Osko)
Local collections and payouts via NPP (PayID / Osko) — settle to USDT / USDC or fiat.
Bangladesh · bKash / Nagad (MFS)
Local collections and payouts via bKash / Nagad (MFS) — settle to USDT / USDC or fiat.
Egypt · InstaPay / Fawry
Local collections and payouts via InstaPay / Fawry — settle to USDT / USDC or fiat.
Ghana · MTN MoMo / Telecel Cash
Local collections and payouts via MTN MoMo / Telecel Cash — settle to USDT / USDC or fiat.
South Africa · PayShap / Ozow (pay-by-bank)
Local collections and payouts via PayShap / Ozow (pay-by-bank) — settle to USDT / USDC or fiat.