Members typically don’t know an instant payment rail like RTP by name. They know it by how fast they can get or make the payment (timing), i.e., instant, same-day, next day, 1-3 days, etc.  In fact, there are options already in the market to send and receive RTP payments that your members can use:

• Digital wallets such Venmo, PayPal, and Square give users the ability to send immediately if their credit union is on the network and can receive the RTP deposit. Members may be trying to send it today but can’t.
• Payroll companies will send payroll daily via RTP and members like that option.

According to Corporate One their experience shows that RTP payments start being received by credit unions on day 1 they go live, so there is demand in the market. So far businesses have been the early adopters of the immediate payments when they discovered how much better their ability to manage cash flows were with immediate payments.