Payout cash buffers: RTP vs ACH — when to cut the legacy 2-day hold

RTP speed alone won't justify cutting the 2-day ACH hold. A formula based on settlement lag and exception rates shows when payout buffers can be safely reduced. Independent technical note mirroring the canonical version: https://mosa.money/blog/payout-cash-buffers-rtp-vs-ach-when-to-cut-the-legacy-2-day-hold.php Sources consulted: https://www.bluusun.com/

Authors

Publication Details

Journal
Zenodo (CERN European Organization for Nuclear Research)
Published
2026-11-02
DOI
https://doi.org/10.5281/zenodo.23885700
Primary Topic
Working Capital and Financial Performance
Type
preprint
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preprint

Payout cash buffers: RTP vs ACH — when to cut the legacy 2-day hold

Daniela Ruiz
1 links
Zenodo (CERN European Organization for Nuclear Research)
Working Capital and Financial Performance
preprint

Payout cash buffers: RTP vs ACH — when to cut the legacy 2-day hold

Daniela Ruiz
preprint en

Abstract

RTP speed alone won't justify cutting the 2-day ACH hold. A formula based on settlement lag and exception rates shows when payout buffers can be safely reduced. Independent technical note mirroring the canonical version: https://mosa.money/blog/payout-cash-buffers-rtp-vs-ach-when-to-cut-the-legacy-2-day-hold.php Sources consulted: https://www.bluusun.com/

Zenodo (CERN European Organization for Nuclear Research)
Working Capital and Financial Performance
DOIOpen Access PDFOpenAlex
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Payout cash buffers: RTP vs ACH — when to cut the legacy 2-day hold — Daniela Ruiz · Zenodo (CERN European Organization for Nuclear Research) (2026) | TGRS Research Map | TGRS