OpenFedNow

Free dual-rail FedNow + RTP middleware for community banks

8 followers

Free dual-rail FedNow + RTP middleware for community banks

8 followers

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.

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Launch tags:Open Source•Fintech•Developer Tools

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Hey Product Hunt 👋 I built OpenFedNow after years on instant payments infrastructure at Santander Brazil — PIX now processes 63B transactions/year across 170M users. When I moved to the U.S., I kept hearing the same thing from community banks: "we want FedNow, but our core vendor integration is too complex." So I built the middleware layer and open-sourced it under Apache 2.0. It handles dual-rail message translation (FedNow JSON ↔ RTP XML), anti-corruption layer, shadow ledger for audit trails, and pre-built adapters for Fiserv, FIS, and Jack Henry. If you work in fintech or banking infrastructure — feedback welcome. And if you know a community bank CTO wrestling with instant payments, send them the repo.

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2mo ago

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2mo ago

Built free open-source middleware to fix the FedNow adoption gap — launching tomorrow

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.

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