> For the complete documentation index, see [llms.txt](https://docs.xft.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xft.finance/idn/technical/payments.md).

# Payments

<mark style="color:purple;">IDN FLOWS</mark>

stablecoin→USD→Fed rails→USD→stablecoin\
stablecoin → FEDX → stablecoin\
tokenized deposit1 → FEDX → tokenized deposit2\
tokenized deposit1 → tokenized deposit1

***

<mark style="color:purple;">PARTIES</mark>

Federal Reserve\
Western Union\
SWIFT\
The Clearing House\
NACHA\
[Payments Canada](https://www.payments.ca/)\
Early Warning Services\
National Securities Clearing Corporation (NSCC)

<mark style="color:purple;">METHODS</mark>

Standard ACH\
Same Day ACH\
Wire transfer\
RTP\
RfP\
Credit cards\
Fedwire\
FedNow\
Zelle

Securities

ACATS\
ATON\
DRS\
DWAC\
FOP\
PEA

<mark style="color:purple;">NETWORKS / RAILS</mark>

ACH\
CHIPS\
Image Exchange\
RTP\
SPEI\
BACS

<mark style="color:purple;">IDENTIFIERS</mark>

RTN\
IBAN\
LEI\
BIC/SWIFT\
UID\
CLABE\
DTC\
TAN\
CUSIP\
ISIN\
SEDOL\
[OCC Option Symbol](https://en.wikipedia.org/wiki/Option_symbol#The_OCC_Option_Symbol)\
FIGI

<mark style="color:purple;">**STANDARDS**</mark>

* [ISO 9362](https://en.wikipedia.org/wiki/ISO_9362)
* ISO 20022
* ISO 13616
* ISO 4217
* ISO 8601
* ISO 3166
* ISO 17442 Legal Entity Identifier (LEI)
* ISO 10383 Market Identifier Code (MIC)
* ISO 13616 International Bank Account Number (IBAN)
* ISO 9362 Business Identifier Code (BIC)
* [RFC 4122](https://datatracker.ietf.org/doc/html/rfc4122)
* [RFC 3696](https://datatracker.ietf.org/doc/html/rfc3696)
* RFC 3339

<mark style="color:purple;">RESOURCES</mark>

<https://www.theclearinghouse.org/-/media/New/TCH/Documents/Payment-Systems/RTN-Docs/RT-File-2025-05.txt>\
<https://www.theclearinghouse.org/payment-systems/rtp/rtn>\
<https://www.theclearinghouse.org/payment-systems/rtp/RTP-Participating-Financial-Institutions>\
<https://www.theclearinghouse.org/payment-systems>\
<https://www.theclearinghouse.org/uid-lookup>\
<https://www.theclearinghouse.org/payments-services/education>\
<https://www.swiftref.com/en/bicsearch>\
<https://www.ibm.com/docs/en/ftmfz/3.2.13?topic=mappers-mapping-pain00100103-isf>\
<https://www.dtcc.com/client-center/dtc-directories>\
<https://intercom.help/helpvest/en/articles/9005527-types-of-transfers-in-a-broker-an-expanded-educational-guide>