The payments industry is always looking for new ways to streamline processes, reduce costs, improve security, and, most importantly, increase customer pleasure. Modernizing existing Automated Clearing House (ACH) rails will not be enough to speed the adoption of new creative digital services and products, such as digital wallets, when it comes to real-time or instant payments. To enable real-time payments, digital means will be necessary. When it comes to the adoption of cutting-edge digital services that are supported by a robust real-time payment infrastructure. RTP Space and Fed are the two biggest participants in the industry right now. India, the world's largest real-time payments market, continues to raise the bar.