Inaccurate online guides prompt comprehensive US payment rails comparison

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An engineer has published a detailed technical guide comparing the four major US payment rails after finding widespread inaccuracies in existing online comparisons. The guide covers ACH, RTP, FedNow, and Fedwire, detailing their limits, operating times, message formats, and legal frameworks. It explains key differences in speed, settlement methods, and reversibility between the systems. The author created it as a US counterpart to a previous UK payments guide and as a practical resource for developers building financial products.

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