Update as of 08/29/25: The FedNow® Service has introduced the new Account Activity Thresholds (AAT) feature.
At Alacriti, we are committed to keeping our partners informed about the latest developments in real-time payments. The FedNow® Service has introduced a new fraud mitigation feature, Account Activity Thresholds (AAT), designed to help sending financial institutions monitor and manage account-level transaction activity more effectively.
By setting default daily transaction value limits—and allowing institutions to tailor those limits to their unique risk profiles—the Fed is giving financial institutions a powerful new tool to help prevent fraud while maintaining flexibility.
Key Details:
- Default Thresholds:
- Consumers–$1M cumulative value in a 24-hour period
- Business & Government–$10M cumulative value in a 24-hour period
- Flexibility:
- Institutions may adjust these thresholds at any time to better align with their individual risk strategies
What’s Next:
- Confirm which Connection Party RTN(s) will manage AAT for your institution
- Have a credentialed EUAC configure and assign the new Risk Mitigation Subscriber Role in the EUAC Center
- Review default thresholds and determine if adjustments are needed
As adoption of real-time payments expands, tools like AAT will become critical to scaling safely and responsibly. At Alacriti, we believe proactive fraud management is essential not just to protect transactions, but to build and sustain trust in instant payment services like the FedNow Service.
If you have questions or would like to discuss implementation and testing approaches, we encourage you to connect with your Service Provider.
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Alacriti’s centralized payment platform, Orbipay Payments Hub, provides innovation opportunities and the ability to make smart routing decisions at the financial institution to meet their individual needs. Financial institutions can take full ownership of their payments and control their evolution with TCH RTP, FedNow, Zelle®, Visa Direct, ACH, and Wires, all on one cloud-based platform. To speak with an Alacriti payments expert, please contact us at (908) 791-2916 or info@alacriti.com.
