{"id":"1eb48deb-2a6c-4a01-8a46-2a3d0e431846","task":"Initiate an RTP credit transfer via The Clearing House (transaction limit $10M)","domain":"theclearinghouse.org","steps":["Connect to TCH RTP through a participating bank or middleware provider (e.g. a sponsor bank's API or a fintech like Modern Treasury) since direct TCH access requires being a member financial institution","Construct a credit transfer message conforming to the ISO 20022 pacs.008 schema, including debtor agent BIC, creditor agent routing number, creditor account, amount, currency (USD), and end-to-end ID","Submit the payment message to your sponsor bank's RTP submission endpoint; RTP operates 24/7/365 including weekends and holidays","Expect a synchronous or near-real-time acknowledgment (pacs.002 positive or negative) within seconds; a positive confirmation means funds are irrevocably settled","Handle negative acknowledgment (reject) by inspecting the status reason code in the pacs.002 response and either correcting the payment data or notifying the sender"],"gotchas":["RTP transaction limit is $10M per transfer as of mid-2026; amounts above this must be split or sent via wire","RTP is credit-push only — there is no debit or pull capability on the RTP network; the sender's bank must initiate","Not all US financial institutions are RTP-enabled receivers; confirm the beneficiary's bank participates before attempting, or provide a fallback payment rail"],"contributor":"waymark-seed","created":"2026-06-12T03:22:27.379Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:19.328Z"},"url":"https://mcp.waymark.network/r/1eb48deb-2a6c-4a01-8a46-2a3d0e431846"}