Payment Rails

Payment Rails are the foundational network infrastructure and operating rules that facilitate the movement of funds between a payer and a payee, encompassing traditional systems like ACH and SWIFT, as well as modern real-time payment (RTP) networks and emerging blockchain-based rails. These rails dictate the speed, cost, finality, and accessibility of a transaction, with the global cross-border payment market expected to exceed $250 trillion by 2027, highlighting the critical role of efficient rail modernization.