FedNow overview

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Identifiers

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Guides

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Lifecycle and timing

• FedNow operates 24 hours a day, 7 days a week, including weekends and holidays. Business-day cut-off times on Transfer timing apply to wire and ACH, not to FedNow.
• FedNow availability does not guarantee instant end-to-end completion. Brale reviews, bank processing, and onchain settlement of the stablecoin leg can add time.
• HTTP 201 Created (Transfers, Automations, Addresses) and 202 Accepted (deposit simulation) mean Brale accepted or created the resource. They do not mean funds have settled.
• A Transfer’s terminal statuses include complete, canceled, and failed. pending and processing are in progress. The status enum also includes compliance review, refunding, and refunded. None of these mean the Transfer is complete.
• An Automation with status: active is ready to receive deposits. That is different from a Transfer with status: complete and from the transfer.completed webhook event.
• payment.completed reports that Brale received the fiat payment. It does not confirm that the stablecoin mint was delivered. Use the Transfer’s status or transfer.completed for that.

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Safety rules

• Idempotency. Send an Idempotency-Key on every POST. Retry the same logical operation with the same key and the same body. See Idempotency.
• Pending payouts. Do not submit a replacement payout because a Transfer is pending or processing. Keep tracking the original Transfer until it reaches a terminal status.
• Cancellation. Brale can cancel a payout only before it submits the payment to FedNow. A processing payout cannot be canceled, and a pending status does not guarantee that cancellation is still possible.
• Returns. Cancellation is different from a return after settlement. Do not assume a settled payout is refunded automatically.
• Rail fallback. Do not assume Brale moves a FedNow payout to another rail. Read destination.transfer_type on the Transfer. When payment_details.original_transfer_type, fallback_reason, fallback_reason_code, or fallback_at are present, the payment was sent on a different rail than requested.
• Metadata. Wire-only fields such as wire_memo and payment_details.imad do not apply to FedNow. Read only the payment_details fields that are present on the response.

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FedNow errors

{
  "type": "fednow_routing_number_not_supported",
  "detail": "The routing number does not support FedNow.",
  "status": 422
}

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Testing

• Inbound: On testnet, simulate a FedNow deposit into an Automation with transfer_type: "fednow". Simulated funding does not move real money.
• Outbound: Testnet does not send real FedNow payouts. See Test outbound payouts.