fednow

A Python package (on PYPI) to create or parse ISO20022 messages.

Open-source middleware connecting legacy core banking systems to U.S. instant payment rails — FedNow and RTP.

A comprehensive, high-performance, open-source Rust library for parsing, generating, validating, and transforming ISO 20022 (MX) financial messages.

The FedNow ISO 20022 specifications

Top Real Time Payments Platform 🌟 Star if you like it! 🌟

FRB Services Status Checker

Correct, idempotent, concurrency-safe double-entry ledger with ISO 20022 payment processing (pain.001 → pacs.008 → pacs.002) and a reconciliation engine. Proves exactly-once under duplicate/concurrent payments.

24/7/365 Real-Time Rail Treasury Balancing Engine & ISO 20022 camt.050 Sweeper

An open-source, high-performance payment message processing runtime built on top of the mx20022 message library. This is the transaction processing engine — the layer that turns a parsing library into a payment platform.

Open-source assessment framework and reference implementation for fraud prevention and operational resilience in irrevocable instant-payment systems. Deterministic, explainable, auditable decisioning with a strict in-path latency budget.

Open, machine-readable dataset of payment-rail capabilities (limits, cut-offs, settlement, identifiers) across UK/EU/US/CA, with typed accessors. Every fact is sourced and dated.

Real-Time Confirmation of Payee (CoP) & Authorized Push Payment (APP) Scam Interceptor (UK PSR / US Reg E 50/50 Liability)

Financial Messaging Covert Channel & Adversary Telemetry Benchmark Matrix (ISO 20022 Steganography & NACHA Tunneling Radar)

Financial messaging and ISO 20022 integration examples using PolyXML.

Real-Time Cross-Rail Liquidity Drain Correlation Engine (ACH Float to FedNow/RTP Instant Disbursement Contagion Shield)

Dated, sourced, machine-readable parameters for US payment rails. Every value carries its source URL and the date it was checked.

Atomic Multi-Currency Two-Phase Settlement & BIS Project Nexus ISO 20022 Gateway (CPMI-IOSCO PFMI 12)

Cross River — independent third-party profile of a public API surface, by API Evangelist. Cross River is a regulated bank (FDIC member, Fort Lee, NJ) that delivers embedded finance and Banking-as-a-Service (BaaS) through its Cross River Operating System (COS) - a collection of REST APIs for deposit accounts, ACH, wires, instant payments (RTP, FedNo

Real-Time Earned Wage Access (EWA) Gross-to-Net Payroll Streamer & Liquidity Buffer Guard (CFPB TILA Reg Z Safe Harbor)

Narmi — independent third-party profile of a public API surface, by API Evangelist. Narmi is a digital banking platform for community banks and credit unions in the United States. The Narmi One platform unifies consumer and business digital banking, omnichannel account opening (Narmi Grow), instant payments over FedNow (Narmi Now), fraud prevention