Instant payments have shifted from buzzword to business reality. Consumers expect wages, insurance reimbursements, and refunds to appear in their accounts immediately. Companies want predictable cash flow, real-time settlement, and fewer back-office headaches. The rails are in place. The real battle is over who can make those rails accessible to enterprises at scale. The Federal Reserve's FedNow service and The Clearing House's Real-Time Payments (RTP) network are expanding quickly.