73% of U.S. banks still can't send instant payments. After working on PIX infrastructure at Santander Brazil (now 63B transactions/year), I moved to the U.S. and kept hearing the same thing from community banks: "we want FedNow, but the integration is too complex and too expensive."
So I built OpenFedNow a free Apache 2.0 middleware framework with dual-rail FedNow + RTP support and pre-built adapters for Fiserv, FIS, and Jack Henry (~72% of U.S. banks). Launching here tomorrow.
Curious: has anyone here worked on fintech infrastructure at smaller banks or credit unions? Would love to know what the actual integration blockers look like from the inside.
73% of U.S. financial institutions still can't send instant payments. The bottleneck is integration complexity, not intent.
OpenFedNow is free Apache 2.0 middleware giving any bank or credit union a dual-rail FedNow + RTP integration from a single codebase. Pre-built adapters for Fiserv, FIS, and Jack Henry cover ~72% of U.S. banks. Built by someone who shipped PIX infrastructure at Santander Brazil — now 63B transactions/year.
