> ## Documentation Index
> Fetch the complete documentation index at: https://developer.tazapay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# US USD Local Payout Guide — Fedwire, RTP & FedNow

**Release type:** New Guide (Documentation)

**Applies to:** Payouts — US USD Local

Tazapay now supports local USD payouts to the United States via three domestic rails: Fedwire, RTP, and FedNow. All three support B2B and B2C modes.

## What's new

| **Page**                                              | **Summary**                                                                   |
| ----------------------------------------------------- | ----------------------------------------------------------------------------- |
| [**Overview**](/payouts/local-guides/us-usd/overview) | Supported networks, modes, and key things to note for US USD payouts          |
| [**Fedwire**](/payouts/local-guides/us-usd/fedwire)   | Mandatory fields, cutoff schedule, limits, and settlement details for Fedwire |
| [**RTP**](/payouts/local-guides/us-usd/rtp)           | Mandatory fields, limits, and 24/7 real-time settlement details for RTP       |
| [**FedNow**](/payouts/local-guides/us-usd/fednow)     | Mandatory fields, limits, and 24/7 real-time settlement details for FedNow    |

## Key details

* **Supported modes:** B2B and B2C only across all three networks
* **Limits:** Fedwire — 1,000,000 USD | RTP and FedNow — 10,000,000 USD per transaction
* **Settlement:** Fedwire — same day within cutoff | RTP and FedNow — real time, 24/7/365
* **Cutoff (Fedwire only):** Effective close 6:00 PM ET; early closure at 2:00 PM ET on days preceding US federal holidays
* **Beneficiary statement narrative:** Ultimate Remitter name + memo field (not guaranteed — subject to recipient bank)
* **Merchant onboarding:** Entity and UBO details required for all three networks

## Relevant Links

* [Overview](/payouts/local-guides/us-usd/overview)
* [Fedwire](/payouts/local-guides/us-usd/fedwire)
* [RTP](/payouts/local-guides/us-usd/rtp)
* [FedNow](/payouts/local-guides/us-usd/fednow)