Real-time money movement.
A8 Core™ is built for money that moves the moment it should — not after the next batch window. One signed integration reaches every major rail, and every transfer posts to the ledger and fires an event in real time.
Legacy money movement was built for a slower economy
For decades, payments ran on a predictable lag. Transfers moved in batches, settlement took days, and finance teams built treasury processes around the delay — liquidity buffers to cover float, manual reconciliation to chase exceptions, and balances that were only true once a night. A8 Core™ starts from the opposite premise: settlement is a continuous capability, not a scheduled event. Funds move within seconds, confirmation is immediate, and liquidity becomes usable in near real time.
Every rail A8 Core™ supports
Each rail settles on its own timeline, but the integration is uniform: one signed API call originates the movement, the ledger posts it, and a webhook confirms it. Your code reacts to the event the same way no matter how the money arrived.
ACH transfers Standard
Move money over the Automated Clearing House with both standard and same-day processing for debits and credits. A8 Core™ handles NACHA compliance, automatic return management, and micro-deposit verification, so you can fund accounts and disburse payouts without building the rail yourself. A single signed API call originates an entry; an event confirms when it settles.
Account-to-account (A2A) Bank-direct
A2A funding and payments move money directly between A8 Core™ accounts and external bank accounts, bypassing traditional card networks and intermediaries. That makes them highly efficient for bill payments and for funding new accounts, while delivering enhanced security — there are no card credentials to expose and authorization happens at the bank.
- Internal A8 Core™ transfers — move funds between two A8 Core™ accounts you own at different financial institutions.
- Direct pay-by-bank integration to the major banking core systems from Jack Henry, FIS, and Fiserv.
Wire transfers (Fedwire) Same-day
Originate large-value, time-sensitive push payments over Fedwire with full functionality. A8 Core™ follows the standard numerical tag and data-message formats financial institutions expect, so high-value settlement, treasury movements, and time-critical disbursements clear the same business day with a complete, auditable record.
Instant payments (RTP® & FedNow®) Real-time 24/7/365
Settle in seconds, any hour of any day. A8 Core™ supports The Clearing House RTP® network for instant transfers 24/7/365, and for FedNow® acts as a service provider — using instant bank credit to push real-time payments through the Federal Reserve’s instant-payment network. Confirmation is immediate; liquidity is usable the moment a payment posts.
Internal transfers (Wallet) Instant
A8 Core™ includes a built-in ledger and wallet. Users can store funds, fund a digital wallet from an external payment method such as an ACH debit or a debit card, and instantly disburse between linked bank accounts or other internal A8 Core™ accounts. Because internal movement is a ledger operation, it is immediate and never touches an external rail.
Card processing Instant
Alongside bank transfers, A8 Core™ fully supports cards: pulling funds from cards, card acceptance (Visa, Mastercard, and others), push-to-debit and Original Credit Transactions (OCT), tap-to-pay, and virtual card issuing. Fund an account from a card in seconds, or push an instant payout to a recipient’s eligible debit card.
Enable more ways to fund
Give every account multiple funding options out of the box — ACH debit, wire, instant pay-in, card, or an internal wallet transfer. The right rail for each situation, behind one consistent API and one response envelope.
Move and manage money effortlessly within and across A8 Core™ accounts
Internal transfers are ledger operations: instant, free of external-rail latency, and fully auditable. Store funds in a wallet, sweep between linked accounts, and disburse to other A8 Core™ accounts in real time.
Real-time settlement changes everything
When settlement shifts from a scheduled event to a continuous capability, the whole economics change. Businesses gain tighter working-capital control and clearer cash visibility. The interval between a sale and accessible funds collapses. Reconciliation simplifies because direct, account-to-account movement removes intermediary layers. Timing becomes an operational advantage rather than a constraint — money begins to move with the same responsiveness as information.
POST https://api.a8core.io/v1/accounts/{id}/fund→ledger posts→deposit.posted→balance is liveSecured as a first principle
Real-time money movement expands the attack surface, so security is part of the foundation, not a layer on top. Every request is signed, every actor — human or agent — is authorized, and every movement lands in an immutable evidentiary record. Money movement on A8 Core™ is protected by B5 Secure™™.
What teams build on it
The same real-time patterns reshape very different industries. A few of the places instant money movement changes the business:
One integration. Every rail.
See how A8 Core™ funds, transfers, and settles across ACH, wire, instant payments, wallets, and cards — in real time.