> ## Documentation Index
> Fetch the complete documentation index at: https://developer.uphold.com/llms.txt
> Use this file to discover all available pages before exploring further.
# FedNow / RTP bank deposit via the REST API
> Send near-instant USD withdrawals via FedNow and RTP using the Uphold REST API: create an external bank account, generate a quote, submit the payout, and monitor settlement.
This guide walks you through the steps to support FedNow / RTP bank deposits using the REST API. FedNow / RTP uses the same bank account and routing number as ACH — the deposit method setup is identical.
## Prerequisites
* The user has [completed onboarding](/developer-guides/user-onboarding/overview) and has the required capabilities enabled.
## Walkthrough
```mermaid theme={null}
sequenceDiagram
autonumber
participant Usr as User
participant U as Your App
participant B as Your Backend
participant A as Uphold
participant F as Bank
Usr->>U: Request deposit instructions
U->>B: Set up deposit method
B->>A: Set up account deposit method
A-->>B: { depositMethod }
B-->>U: { depositMethod }
U-->>Usr: Display bank instructions
Usr->>F: Initiate FedNow / RTP transfer
F-->>A: Incoming transfer received
A-->>B: Transaction created (processing)
F-->>A: Settlement confirmed
A-->>B: Transaction completed/failed
B-->>Usr: Notify the user
```
***
## Check available rails
Call [List Rails](/rest-apis/core-api/assets/list-rails) to verify FedNow supports the `deposit` feature before proceeding.
```http theme={null}
GET /core/rails?type=bank&network=fednow&asset=USD
```
A successful response includes the rail details. The `constraints` field indicates deposits are credited to the user's default USD account.
```json theme={null}
{
"rails": [
{
"type": "bank",
"network": "fednow",
"method": "bank-transfer",
"asset": "USD",
"decimals": 2,
"features": [
"deposit"
],
"constraints": [
{
"rule": "allowed-deposit-accounts",
"allowed": "default-only"
}
]
}
]
}
```
## Select destination account
USD bank deposits can only be credited to the user's default USD account.
### Find the default account
Call [List default accounts](/rest-apis/core-api/accounts/list-default-accounts) to retrieve it.
```http theme={null}
GET /core/accounts/defaults?asset=USD
```
```json theme={null}
{
"accounts": [
{
"id": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
"ownerId": "1e32fca3-23f7-40ed-bc1b-de10c790182d",
"label": "My USD account",
"asset": "USD",
"balance": {
"total": "100.00",
"available": "100.00"
}
}
]
}
```
### Create a new account
If the user has no default USD account, create one with [Create account](/rest-apis/core-api/accounts/create-account) before proceeding.
```http theme={null}
POST /core/accounts
{
"label": "My USD account",
"asset": "USD"
}
```
```json theme={null}
{
"account": {
"id": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
"ownerId": "1e32fca3-23f7-40ed-bc1b-de10c790182d",
"label": "My USD account",
"asset": "USD",
"balance": {
"total": "0",
"available": "0"
}
}
}
```
## Generate deposit method
For US bank rails, the same account and routing number are shared across all networks (ACH, FedNow / RTP, and Wire), so the same deposit method is generated and can be used for any of these networks.
Call [Set up account deposit method](/rest-apis/core-api/accounts/set-up-account-deposit-method) with the target account id and the desired network. For subsequent calls, use [Get account deposit method](/rest-apis/core-api/accounts/get-account-deposit-method) instead.
```http theme={null}
PUT /core/accounts/{accountId}/deposit-method?type=bank&network=fednow&asset=USD
```
A successful response includes the bank details. These are the same routing and account numbers as ACH — the sender uses them to initiate a FedNow / RTP push.
```json theme={null}
{
"depositMethod": {
"type": "bank",
"status": "ok",
"details": {
"network": "fednow",
"asset": "USD",
"routingNumber": "021000021",
"accountNumber": "123456789",
"accountType": "checking",
"beneficiary": "John Doe",
"bankName": "Cross River Bank",
"bankAddress": {
"line1": "2 Riverview Dr",
"line2": "Fort Lee, NJ 07024"
}
}
}
}
```
The deposit method may initially return `status: processing` while the details are being prepared. Call [Get account deposit method](/rest-apis/core-api/accounts/get-account-deposit-method) to confirm it is ready (`status: ok`) before displaying instructions to the user.
Provide the **routing number**, **account number** and **account type**. Include the **beneficiary name**, **bank name**, and **bank address** to help the user confirm the legitimacy of the instructions.
## Monitor for the incoming transfer
Prefer **webhooks** for real-time updates, or fall back to **polling** if webhooks are not feasible.
* Webhook events (recommended):
* [core.transaction.created](/rest-apis/core-api/transactions/webhooks/transaction-created)
* `status: processing` → bank transfer received, pending posting
* [core.transaction.status-changed](/rest-apis/core-api/transactions/webhooks/transaction-status-changed)
* `status: completed` → funds settled
* `status: failed` → irrecoverable error
* Polling (fallback): [Get transaction](/rest-apis/core-api/transactions/get-transaction)
## Sample transaction
In a successful FedNow / RTP bank deposit, the origin is represented as a `bank-address` node. The destination is the user's default USD account.
```json [expandable] theme={null}
{
"transaction": {
"id": "a2b3c4d5-e6f7-8a9b-c0d1-e2f3a4b5c6d7",
"origin": {
"asset": "USD",
"amount": "500.00",
"node": {
"type": "bank-address",
"network": "fednow"
}
},
"destination": {
"asset": "USD",
"amount": "500.00",
"node": {
"type": "account",
"id": "a00507fe-628c-4f27-ae81-e1c40b2a8fb8",
"ownerId": "e4ce04dc-67b7-4e9f-af91-482cb6f9fc4a"
}
},
"status": "completed",
"quotedAt": "2025-06-15T14:00:00Z",
"createdAt": "2025-06-15T14:10:00Z",
"updatedAt": "2025-06-15T14:30:00Z",
"denomination": {
"asset": "USD",
"amount": "500.00",
"target": "origin"
}
}
}
```
## Notify the user
Display an in-app confirmation when the transaction is `completed`, and send an email if applicable.
You now support FedNow / RTP bank deposits via the REST API.