The Clearing House
Financial ServicesNew York, United States501-1000 Employees
The Clearing House Payments Company L.L.C. operates essential payments infrastructure in the United States, clearing and settling more than $2 trillion in daily transactions across wire transfers, ACH, check image processing, and instant payments. It runs the RTP network, introduced in 2017, which enables near-real-time clearing and settlement and the secure exchange of related payment information on a single channel. As the private-sector operator for instant payments, ACH, and wires, it handles a dominant share of the market activity in the United States. Based in New York, New York, the company serves as a central component of the U.S. payments ecosystem, with an affiliate, The Clearing House Association L.L.C., recognized as the country's oldest banking trade association and a nonpartisan source of advocacy and thought leadership on payments issues. Recent industry coverage notes the organization pursuing blockchain-based payment rails and tokenized deposits, with plans for a 2027 launch, reflecting ongoing efforts to broaden its settlement capabilities. These initiatives illustrate the company's role in advancing real-time and tokenized payments across its network and counterparties.
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