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OpenFedNow
Free dual-rail FedNow + RTP middleware for community banks
73% of U.S. financial institutions still can't send instant payments. The bottleneck is integration complexity, not intent. OpenFedNow is free Apache 2.0 middleware giving any bank or credit union a dual-rail FedNow + RTP integration from a single codebase. Pre-built adapters for Fiserv, FIS, and Jack Henry cover ~72% of U.S. banks. Built by someone who shipped PIX infrastructure at Santander Brazil — now 63B transactions/year.
Hey Product Hunt 👋
I built OpenFedNow after years on instant payments infrastructure at Santander Brazil — PIX now processes 63B transactions/year across 170M users. When I moved to the U.S., I kept hearing the same thing from community banks: "we want FedNow, but our core vendor integration is too complex."
So I built the middleware layer and open-sourced it under Apache 2.0.
It handles dual-rail message translation (FedNow JSON ↔ RTP XML), anti-corruption layer, shadow ledger for audit trails, and pre-built adapters for Fiserv, FIS, and Jack Henry.
If you work in fintech or banking infrastructure — feedback welcome. And if you know a community bank CTO wrestling with instant payments, send them the repo.
About OpenFedNow on Product Hunt
“Free dual-rail FedNow + RTP middleware for community banks”
OpenFedNow was submitted on Product Hunt and earned 12 upvotes and 1 comments, placing #38 on the daily leaderboard. 73% of U.S. financial institutions still can't send instant payments. The bottleneck is integration complexity, not intent. OpenFedNow is free Apache 2.0 middleware giving any bank or credit union a dual-rail FedNow + RTP integration from a single codebase. Pre-built adapters for Fiserv, FIS, and Jack Henry cover ~72% of U.S. banks. Built by someone who shipped PIX infrastructure at Santander Brazil — now 63B transactions/year.
On the analytics side, OpenFedNow competes within Open Source, Fintech, Developer Tools and GitHub — topics that collectively have 672.6k followers on Product Hunt. The dashboard above tracks how OpenFedNow performed against the three products that launched closest to it on the same day.
Who hunted OpenFedNow?
OpenFedNow was hunted by Daniel Mori. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
For a complete overview of OpenFedNow including community comment highlights and product details, visit the product overview.
Daniel Mori