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Credit Unions Gear Up to Build Instant Payments Ecosystems as FedNow Looms

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Credit Unions Gear Up to Build Instant Payments Ecosystems as FedNow Looms
BY PYMNTS
JUNE 13, 2023

July 2023 will mark the second time in six years that a new real-time payments rail will go live in the United States.

And with it comes a lot of uncertainty about whether the Federal Reserve will move as “fast” in adapting these rails to the use cases that matter for credit union members. But forward-thinking CUs can leverage members’ trust to forge new instant payments ecosystems.

Kelly Botti, CEO of TruMark Financial Credit Union; Tansley Stearns, president and CEO of Community Financial Credit Union; and Chuck Fagan, president and CEO at PSCU, told Karen Webster that credit unions have been moving cautiously over the last several years as faster payments creep ever closer to reality.

Although it’s true that RTP rails have been in the U.S. since 2017, when The Clearing House launched, credit unions had hoped that a FedNow launch would help to bring broad swaths of the U.S. financial system closer to ubiquity — eventually — as thousands of financial institutions (FIs) opt in.

From PSCU’s vantage point, said Fagan, as part of the FedNow pilot and the advisory group helping to steer the launch, a few observations emerge. For many years, he said, credit unions had not been able to have a direct-to-the-Fed account. Juniper Payments, which was acquired by PSCU just over a year ago, allows PSCU and its owner credit unions to participate more fully in faster payments innovation by fostering that connectivity. But getting there will be a process, as credit unions traditionally have been laggards when it comes to payments innovation.

Changing the Brand
Fagan, Botti and Stearns noted that credit unions see instant payments rails as a way to create their own faster payments ecosystems, fostering new use cases for consumers and small business clients alike.

“The opportunity here is to change the very brands of credit unions,” said Fagan. “That FI-to-FI connectivity will benefit our CUs … but that hesitancy around just how reliable and strong of a technology is in place remains a question — and something that I’m hopeful the Fed will answer in a positive way.”

Webster asked what PSCU’s portfolio of CUs — spanning the breadth of the industry — is seeking in terms of instant payments and the FedNow rollout.

“It’s pretty consistent,” Fagan said, adding that most of PSCU’s credit unions are “considering ‘receive, send and request’ as the main components.”

That’s the general order of things, he said, noting that some credit unions will be more aggressive than others in bringing instant payments to market.

Regardless of progression, said Fagan, CU members should not think about how their money is moved; money movement should happen in as expedited a manner as possible.

And with that guiding principle in place, the low-hanging fruit is ripe to be plucked by CUs, serving members who trust them to help improve their financial well-being. Instant payments can help consumers and families send money to recipients who need money to deal with financial stressors rather than waiting days for funds to settle.

Faster payments can also be leveraged beyond the confines of peer-to-peer (P2P) transactions to help even the youngest clients foster a sense of financial responsibility. Stearns recounted how her CU has a partnership with Greenlight to offer debit cards for kids. Stearns’ daughter wanted to get tickets to see Taylor Swift.

“The question [to my daughter] became, ‘How much money have you saved through your allowance through Greenlight?’” Stearns said. “And now we’re having a financial literacy conversation.”

Younger consumers, the panelists noted, are ever more adept with technology and will want to see their money move when they want it to move.

Partnerships Matter
No matter the use case, said Stearns and Botti, partnerships with the right providers have mattered.

“We have not been fast enough to be able to respond to what our members need,” said Stearns.

And as Botti echoed, “we started our journey around instant payments about four years ago … as we’re starting to look at FedNow, one of the things that we really had to do was right-size our operations.”

TruMark, for its part, will likely embrace inbound instant payments before moving to outbound transactions, where funding (member loans, etc.) will be seeing considerable demand. TruMark, continued Botti, serves low-income members, and instant payments can help salve the pressures of living paycheck to paycheck.

“We’re going to take it one step at a time so we can meet the market,” said Botti.

Both Community Financial and TruMark will find demand from small- to medium-sized businesses (SMBs), which will want faster access to payments, as cash flow, no surprise, is critical.

Artificial intelligence? No conversation would be complete without a discussion of AI, but as Botti and Stearns said, the world needs to stop and catch its breath before throwing AI at every use case in financial life.

“When the Elon Musks of the world are saying we should slow down,” remarked Stearns, “the answer is [to do that].”

Looking ahead, said the trio, faster payments may cannibalize at least some credit and debit spend, as well as ACH, but they will certainly take a bite out of cash. Botti predicted that as costs come down, instant payments will gain ground against other payments modalities.

“We’re going to [be] leveraging third parties and pulling them into our ecosystem so we can offer better products and services for our members that capitalize on this,” said Botti.

The benefits will accrue to the leading-edge CUs, said Fagan, which can act as the central hubs for how money is moved in consumers’ or small businesses’ financial lives because those FIs will wind up being the providers of choice, even, in Botti’s telling of it, the “wallet” for end users.

Added Fagan, “the interest level and confidence is going to grow … the faster pace of moving money is something that starts, and it never slows down.”

https://www.pymnts.com/credit-unions/2023/credit-unions-prepare-build-instant-payments-ecosystems-fednow-looms/

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Source

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🎬Proof the Deep State Planned This War for Years🎬
Nation First outlines how the Israeli attack on Iran was planned by the Deep State and the Military Industrial Complex over 15 years ago.

Prepare to have your mind blown

~Namasté 🙏 Crypto Michael ⚡ The Dinarian

Dear friend,

What just happened in Iran wasn’t a surprise attack. It wasn’t a last-minute decision. It wasn’t even Israel acting alone.

It was a war plan written years ago — by men in suits, sitting in think tanks in Washington and New York. And yesterday, that plan was finally put into action.

Here’s the truth they don’t want you to know: this war was cooked up long before Trump ever became President — and it was designed to happen exactly this way.

Let’s start with what just happened.

Israel launched a massive, unexpected strike on Iran. They hit nuclear facilities. They killed military generals. They struck deep inside Iranian territory — and now the whole region is on edge, ready to explode into full-blown war.

The media is acting shocked. But I’m not. You shouldn’t be either.

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Because we have the documents. They told us this was coming. Years ago.

Exhibit A: The Brookings Institution.

The Brooking Institution is a fancy name for what’s basically a war-planning factory dressed up as a research centre. Back in 2009, Brookings published a report called Which Path to Persia?

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Exhibit B: The Council on Foreign Relations (CFR).

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  • What bombs they’d use (the biggest bunker-busters in the U.S. arsenal).

  • Which Iranian sites to hit (Natanz, Arak, Esfahan).

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Exhibit C: The Plot to Attack Iran by Dan Kovalik.

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In fact, peace talks with Iran were just days away.

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Trump didn’t authorise it. He didn’t want it. But they gazumped him. They went around him. And now, the peace he was trying to build has been blown to bits.

This was never about Iran being a threat. It was about keeping the war machine fed.

Think tanks, defence contractors, foreign lobbies — they don’t profit from peace. They thrive on tension. On fear. On war.

And now, thanks to them, the world’s one step closer to the edge.

If you’ve never trusted the mainstream media, you’re right not to.

If you’ve ever suspected there’s a shadowy agenda behind every war, you’re not paranoid.

You’re paying attention.

Because the documents are real. The war was planned. And the bombs are falling — right on schedule.

Pray for Iran’s civilians.

Pray for the Israelis caught in the crossfire.

Pray for a President who still wants peace.

And pray that we wake up before it’s too late.

Because the war has started.

But the truth has just begun to spread.

Until next time, God bless you, your family and nation.

Take care,

George Christensen

Source:

George Christensen is a former Australian politician, a Christian, freedom lover, conservative, blogger, podcaster, journalist and theologian. He has been feted by the Epoch Times as a “champion of human rights” and his writings have been praised by Infowars’ Alex Jones as “excellent and informative”.

George believes Nation First will be an essential part of the ongoing fight for freedom:

The time is now for every proud patriot to step to the fore and fight for our freedom, sovereignty and way of life. Information is a key tool in any battle and the Nation First newsletter will be a valuable tool in the battle for the future of the West.

— George Christensen.

Find more about George at his www.georgechristensen.com.au website.

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The Possible Impact Of USDC On The XRP Ledger And RLUSD
Key Points
  • It seems likely that USDC on the XRP Ledger (XRPL) boosts liquidity, benefiting XRP, though some see it as competition for RLUSD.
  • Research suggests both stablecoins can coexist, enhancing the XRPL ecosystem.
  • The evidence leans toward increased network activity being good for XRP, despite potential competition.

The recent launch of USDC on the XRP Ledger has sparked discussions about its impact on the ecosystem, particularly in relation to RLUSD, Ripple's own stablecoin. This response explores whether this development is more about competition for RLUSD or if it enhances liquidity on the XRPL, ultimately benefiting XRP.
 

Impact on Liquidity and XRP

The introduction of USDC, a major stablecoin with a $61 billion market cap, likely increases liquidity on the XRPL by attracting more users, developers, and institutions. This boost can enhance DeFi applications and enterprise payments, potentially driving demand for XRP, the native token used for transaction fees. While some may view it as competition for RLUSD, the overall effect seems positive for the XRPL's growth.
 

Competition vs. Coexistence with RLUSD

USDC and RLUSD cater to different needs: USDC appeals to those valuing regulatory compliance, while RLUSD, backed by Ripple, may attract users preferring ecosystem integration. Research suggests both can coexist, increasing options and fostering innovation, rather than purely competing.
 

Detailed Analysis of USDC on XRPL and Its Implications

The integration of USDC on the XRP Ledger (XRPL), announced on June 12, 2025, by Circle, has significant implications for the ecosystem, particularly in relation to RLUSD, Ripple's stablecoin launched in 2024. This section provides a comprehensive analysis, exploring whether this development is more about competition for RLUSD or if it enhances liquidity on the XRPL, ultimately benefiting XRP.
 

Understanding RLUSD and Its Role

RLUSD, Ripple's stablecoin, received approval from the New York Department of Financial Services (NYDFS) in 2024 and is designed to be fully backed by cash and cash equivalents, ensuring stability. It is available on both the Ethereum and XRP Ledger blockchains, aiming to enhance liquidity, reduce volatility, and serve cross-border payments. With a current market cap of $413 million, RLUSD is smaller than USDC's $61 billion but has regulatory credibility, particularly appealing to institutions.
 

Impact of USDC on the XRPL

The launch of USDC on the XRPL is a significant development, given its status as the second-largest stablecoin by market cap.
 
Key impacts include:
  • Liquidity Boost: USDC's integration can attract more users, developers, and institutions, increasing overall liquidity. This is crucial for DeFi applications, as Circle's announcement emphasizes its use in liquidity provisioning for token pairs and FX flows.
  • Increased Utility: USDC enhances the XRPL's utility for enterprise payments, financial infrastructure, and DeFi, potentially making it more attractive for global money movement and transparent settlements.
  • Regulatory and Institutional Appeal: As a regulated stablecoin issued by Circle, USDC can bring institutional users to the XRPL, aligning with Ripple's goals for regulated financial activities.
  • Network Growth: Supporting a widely recognized stablecoin like USDC on 22 blockchains, including the XRPL, increases the network's visibility and adoption, potentially driving more activity.

Competition vs. Complementarity with RLUSD

While USDC's launch could be seen as competition for RLUSD, the evidence suggests a more nuanced relationship:
  • Competition: Both are stablecoins on the XRPL, and USDC's larger market presence ($61 billion vs. RLUSD's $413 million) might attract users and developers away from RLUSD. However, competition can drive innovation, such as lower fees or better services, benefiting the ecosystem
  • Complementarity: Different stablecoins cater to different needs. USDC appeals to users valuing regulatory compliance and widespread adoption across multiple blockchains, while RLUSD, backed by Ripple, may attract those preferring ecosystem integration and regulatory approval from NYDFS. The XRPL can benefit from having multiple options, increasing liquidity and fostering a diverse ecosystem.
  • Coexistence Benefits: Research suggests that having multiple stablecoins enhances liquidity and provides users with more choices, potentially leading to higher network activity. For example, institutions might use USDC for global payments and RLUSD for specific XRPL-integrated applications, creating a symbiotic relationships.

Impact on XRP

The introduction of USDC, alongside RLUSD, is likely beneficial for XRP, the native token of the XRPL, for several reasons:
  • Increased Liquidity and Activity: Higher liquidity on the XRPL, driven by both stablecoins, can increase transaction volumes. XRP is used for transaction fees, with some fees burned, potentially reducing supply over time and increasing demand.
  • DeFi and Enterprise Use Cases: Both USDC and RLUSD enhance DeFi and enterprise applications, such as liquidity pools and cross-border payments, which can drive demand for XRP as a settlement token.
  • Network Growth: A more liquid and active XRPL is more attractive to developers and users, potentially leading to long-term growth for XRP, as increased utility can drive its value.
Expert analyses, such as those from u.today and ledgerinsights.com, suggest the launch is a "massive boost" for liquidity and adoption, with RLUSD also playing a significant role.
 

Comparative Analysis: USDC vs. RLUSD

To further illustrate, consider the following table comparing key attributes:
 
Given the evidence, it is more accurate to view the introduction of USDC on the XRPL as beneficial for liquidity, which is ultimately good for XRP, rather than solely as competition for RLUSD. The XRPL benefits from increased options, with both stablecoins enhancing liquidity, utility, and network growth. While some competition exists, the overall impact is positive, fostering a robust ecosystem that can drive demand for XRP. This conclusion aligns with expert analyses and community discussions, acknowledging the complexity of the stablecoin market within the XRPL.
 

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