> ## 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.

# Overview

USD payouts to the United States are supported across three domestic rails. Each rail has different availability, settlement speed, and transaction limits — choose based on your use case:

| **Network** | **What it is**                                                                                                                                                                                                                              |
| ----------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Fedwire** | The Federal Reserve's RTGS system for high-value, time-critical payments between US financial institutions. The backbone of domestic USD settlement, widely used for corporate treasury, institutional, and B2B transactions.               |
| **RTP**     | Instant payment rail operated by The Clearing House, enabling real-time, irrevocable credit transfers 24/7/365. The first new core payment rail built in the US in over 40 years, with broad reach across major US banks.                   |
| **FedNow**  | Instant payment rail operated by the Federal Reserve, enabling real-time credit transfers 24/7/365. Launched in July 2023, FedNow provides a federally operated alternative to RTP with broad participation from US financial institutions. |

## Overview

Tazapay supports local payouts to the United States in USD through the following networks:

| **Network** | **Supported Modes** |
| ----------- | ------------------- |
| **Fedwire** | B2B, B2C            |
| **RTP**     | B2B, B2C            |
| **FedNow**  | B2B, B2C            |

## Things to note

1. All local networks support B2B and B2C modes only.

2. Fedwire operates on US business days (Mon–Fri) with an effective payout cutoff of 6:00 PM ET. Early closure at 2:00 PM ET may apply on any business day preceding a US federal holiday, including Fridays.

3. RTP and FedNow operate 24/7/365 with no cutoff.