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FedNow is the Federal Reserve’s real-time payment service. The shape is identical to RTP, plus an optional memo field for the receiver. The service caps FedNow at $10,000,000 per transfer (the current Fed limit). POST /embedded-banking/v1/money-movements/fednow
Example Request Body
{
  "fromBankAccountId": "550e8400-e29b-41d4-a716-446655440001",
  "toBankAccountId":   "f0a8b8c2-1111-2222-3333-444455556666",
  "amount":            150000,
  "currencyCode":      "USD",
  "memo":              "Invoice 1042 final payment",
  "idempotencyKey":    "a1b2c3d4-e5f6-7890-abcd-ef1234567890"
}
FedNow and RTP are complementary; a given receiving bank may participate in one, both, or neither. Pick the rail by the receiver’s network participation, falling back to ACH when neither real-time rail is available.
Required scope: embedded:transfer:write and payment_rail:fednow.