EngineeringLatest
How a payment finds the fastest open rail
One POST, five rails. Inside the router that picks RTP, same-day ACH or a wire — and what it does when a rail says no.
Blog + changelogSample content
Everything that moves,
on one wire.
Posts and product changes in one timeline. Pick a rail to follow a topic; switch the changelog off for essays only.
2026-09
September
Changelogapi · v2026-09-18
Webhook replay from the dashboard
Re-deliver a past event to any endpoint, signed exactly like the original.
Payments 101
RTP vs. same-day ACH: when to use which
Speed, limits, cost and reversibility — a decision guide for product teams choosing a default rail.
Changelogsdk-python
Python SDK: typed responses for every rail
Payment, transfer and card objects now ship with type hints; no breaking changes.
2026-08
August
Compliance
What a sponsor bank actually does
Who holds the funds, who owns the risk, and which checks run before a dollar moves.
Changelograils · usdc
USDC settlement is live
Send and receive USDC through the same payments endpoint; stablecoins are not deposits and are not FDIC-insured.
Product
Launching a neobank in weeks: the checklist
Program design, bank approval, card art, KYC flows, launch day — in order.
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