What Did Coinbax Announce?
On October 8, 2026, Coinbax announced it is extending its payment controls to the Federal Reserve’s FedNow® Service and The Clearing House’s RTP® network. Institutions can apply liquidity and limit rules, hold payments for review, and keep an audit trail of every decision for their examiners. Coinbax also announced it has joined the U.S. Faster Payments Council (FPC).
Coinbax will take part in two FPC work groups:
- Exception Resolution for Account-Based Payments
- Digital Assets in the Financial Industry
How Do Coinbax Controls Work on Instant Payments?
Coinbax sits between an institution’s core or payment hub and the payment rail. Before a payment goes out, Coinbax can:
- Screen the payment
- Check it against liquidity and limit rules
- Hold it for review
- Release it
Every decision is recorded in an audit trail the institution can show its examiners.
Why Does Liquidity Matter at 2 a.m.?
FedNow and RTP run 24/7/365. A payment settles in seconds and can’t be pulled back. The liquidity to fund it has to be there on nights, weekends, and holidays, when treasury teams are offline.
Coinbax rules run at any hour. A liquidity threshold can hold outgoing payments when a settlement balance runs low and release them once it’s replenished.
Where Did These Controls Start?
Coinbax first built these controls for stablecoins and tokenized deposits, which are also final once settled. In September, the company launched Coinbax Deposits, which lets banks and credit unions accept stablecoin deposits as dollars on their own balance sheets.
What Are Leaders Saying?
“FedNow and RTP never close, and their payments are final the moment they settle. Banks need to manage liquidity at 2 a.m. on a Sunday as reliably as at noon on a Tuesday. The FPC is where the industry works through problems like that together, and we have a lot to learn from its members.” Peter Glyman, Founder and CEO, Coinbax
“We’re pleased to welcome Coinbax to the U.S. Faster Payments Council. Liquidity management, fraud prevention, and the growing intersection between instant payments and digital assets are important areas of discussion across the payments industry. We look forward to Coinbax contributing its perspective and expertise to these conversations and to the work of the FPC.” Stephanie Tisch, SVP, Industry Relations & Events, U.S. Faster Payments Council
Where Can You Meet Coinbax Next?
Coinbax will be a sponsor of the FPC Fall Member Meeting, November 4 to 6, 2026, in Overland Park, Kansas.
The Coinbax Perspective
Instant payments never close, and they don’t come back. That makes the controls around them as important as the rail itself: the liquidity check, the hold, the release, and the record an examiner can follow afterward.
Joining the FPC puts Coinbax in the room where the industry is working through exactly those problems, from exception resolution on account-based payments to where digital assets fit alongside FedNow and RTP.
Frequently Asked Questions
Which Faster Payments Council work groups is Coinbax joining?
Exception Resolution for Account-Based Payments, and Digital Assets in the Financial Industry.
What can Coinbax do to a FedNow or RTP payment before it goes out?
It can screen the payment, check it against liquidity and limit rules, hold it for review, or release it. Every decision is recorded in an audit trail the institution can show its examiners.
How does Coinbax help with liquidity on nights and weekends?
Coinbax rules run at any hour. A liquidity threshold can hold outgoing payments when a settlement balance runs low and release them once it is replenished.
Will Coinbax be at the FPC Fall Member Meeting?
Yes. Coinbax is a sponsor of the FPC Fall Member Meeting, November 4 to 6, 2026, in Overland Park, Kansas.
FedNow® is a registered service mark of the Federal Reserve Banks. RTP® is a registered service mark of The Clearing House Payments Company L.L.C. Coinbax is not affiliated with or endorsed by the Federal Reserve Banks or The Clearing House.
