Financial Institutions Eligible for Real-Time Settlement

Last updated: February 26, 2026

Astra provides programs with the ability to access real-time settlement speeds via the RTP and FedNow Rails. Although many financial institutions are enrolled and enabled for RTP and FedNow, adoption is still very much in progress.

Please use the following resource to see if a Routing number is eligible for real-time settlement speeds: https://docs.astra.finance/reference/get_v1-instant-payment-eligibility

Please note that the above endpoint utilizes the information provided directly from The Clearing House and The Federal Reserve. More information below

The Clearing House & The Federal Reserve

The Clearing House : https://www.theclearinghouse.org/

The Federal Reserve: https://www.frbservices.org/

Both sites provide key resources which Astra's system queries for the latest and greatest data regarding enrollment and eligibility.

Even if a Financial Institution is an RTP and or FedNow network participant, it does not mean that all routing numbers for said FI are eligible for RTP and or FedNow.

The source of truth is the RTP and FedNow Eligibility by Routing Number lists provided by both The Clearing House and The Federal Reserve, linked below