OpenFedNow

What it does

73% of U.S. financial institutions still can't send instant payments. The bottleneck is integration complexity, not intent. OpenFedNow is free Apache 2.0 middleware giving any bank or credit union a dual-rail FedNow + RTP integration from a single codebase. Pre-built adapters for Fiserv, FIS, and Jack Henry cover ~72% of U.S. banks. Built by someone who shipped PIX infrastructure at Santander Brazil — now 63B transactions/year.

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

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