FedNow on Brale: 24/7 Onramps and Branded Payouts

FedNow is live on Brale.

That provides applications a real-time rail for moving money into and out of stablecoins around the clock, and it lets a payout show your business or your customer as the sender.

This is an extension of Brale's real-time offering in both directions:

Inbound

Automations can receive FedNow deposits and mint stablecoins according to the flow you configure.

Outbound

Transfers can send FedNow payouts from stablecoin balances to recipient bank accounts.

You don't need a new integration. FedNow works through the same Automations and Transfers used for other Brale money movement workflows.

A real-time rail for funding stablecoins

From payments providers to marketplaces to remittance products, many applications need to move dollars into stablecoins without waiting for the next business day.

FedNow gives those applications a real-time inbound rail.

Here's how an inbound FedNow deposit works:

1
You create an Automation with a USD source and a stablecoin destination.
2
Brale provisions a virtual account and returns its funding instructions.
3
Your user sends a FedNow payment from their bank to that account.
4
Brale receives the payment, creates a Transfer and mints stablecoins to the destination.

FedNow

SBC

Transfer

Payment received

If you already run USD Automations, your existing eligible accounts work as-is.

Branded payouts via FedNow

The other side of the workflow requires getting dollars back to a recipient.

When you send payouts on behalf of your customer, the sender identity is part of the product experience. FedNow payouts can go out unbranded, or they can be branded with your business or a customer's verified business.

To create a branded FedNow payout, use a Transfer and set the destination transfer_type to fednow_credit. The brand.account_id value selects the verified business the receiving bank sees as the sender. The account in the request URL continues to fund the payout.

POSThttps://api.brale.xyz/accounts/{account_id}/transfers

{  "amount": { "value": "250.00", "currency": "USD" },  "source": {    "address_id": "<stablecoin-address-id>",    "value_type": "SBC",    "transfer_type": "<source-transfer-type>"  },  "destination": {    "address_id": "<recipient-bank-address-id>",    "value_type": "USD",    "transfer_type": "fednow_credit"  },  "brand": { "account_id": "<verified-customer-account-id>" }}

FedNow replaces RTP on Brale. For most integrations, switching is a small change: swap rtp_credit for fednow_credit. The docs walk through the full migration, including edge cases.

Brale's branded payout capabilities now include FedNow, ACH and wires. That means you can maintain a consistent sender identity for third-party payments and other nested flows while choosing the rail that fits the payment.

See Branded FedNow payouts for more details.