The Clearing House is building a tokenized deposit network, connected to RTP and CHIPS, that it expects to open to banks of all sizes in 2027. This plain-language guide explains what the network does, the difference between atomic and immediate settlement, and what tokenization does not change: the need for good funds, clear authority, a known point of finality, and accountability when money passes from one organization to another.

Ask an AI agent the same question twice and you can get two different answers. That is how they work, and it is how the software initiating payments on your rails will work too. Your fraud controls were built for consistent inputs. Agentic AI breaks that assumption by design. This issue makes the case that you cannot make the environment predictable again, but you can decide where your institution's ruling on every transaction stays consistent, no matter how the instruction w

AI agents can now initiate instant payments under delegated authority. But which part of a bank’s architecture evaluates the agent’s identity, mandate, payment purpose, and risk before the payment is released? This article explains why instant payment controls for banks need a defined place in the transaction flow, where the institution can still approve, challenge, reroute, or stop the payment.

A payment instruction used to carry two facts: how much and where. Now it carries intent, conditions, and reasoning, and increasingly no person authorized it at all. Agentic payments for banks arrive pre-decided and settle instantly, with no return code or recall window behind them. That changes what you are actually governing. This piece reframes the payment as an intelligent object your institution has to read and rule on in real time, before it settles.