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

# FedNow

> Send real-time payments via the Federal Reserve's FedNow network — settles in seconds, irrevocable.

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`

```json title="Example Request Body" lines theme={null}
{
  "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"
}
```

<Warning>
  Like RTP, FedNow is irrevocable: a duplicate send cannot be recalled. Always include an
  `idempotencyKey` so a retried request returns the original transfer instead of moving the funds
  twice. See [idempotency](/embedded-banking/guides/money-movement/lifecycle#idempotency).
</Warning>

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.

<Info>Required scope: `embedded:transfer:write` and `payment_rail:fednow`.</Info>