At Plaid, they aim to provide consumers with real-time, on-demand payment experiences, particularly for bank payments which often take days to settle. The company has introduced a new solution called Instant Payouts, which enables instant, 24/7 multi-rail payouts within their Transfer product. This solution is designed to address the complexity of managing return rates and the challenges associated with traditional ACH payments, such as delayed settlement times and premium fees for debit card transactions. With Instant Payouts, consumers can access their money when and where they need it, without incurring steep costs or waiting days for payment processing. The solution is compatible with 60-70% of US bank accounts and provides intelligence on RTP eligibility to manage complexity across accounts and rails.