Keith Melton

speaker

165 appearances 1 recordings 1 series first heard Nov 2025 last heard 20 Nov

Keith Melton’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Nov 2025 with 1.

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Off the Rails from the U.S. Faster Payments Council - FPC · 20 Nov 2025 Kyle Caldwell and Keith Melton from The Clearing House on the RTP Network and new Fraud Services from TCH · 20 Nov 2025 podcast

So moving money from a wallet back to your bank account.

We see, we'll call those meet-and-meet transactions or account-to-account transfers.

That represents about 42% of the volume we see on the network.

We see a good amount of volume also in what we call the earned wage access space.

So earned wage access is a solution that's come about in the last several years, and it's the ability for employees to gain access to their own earned wages on demand between the typical two-week pay cycle.

And so we see a lot of that kind of volume on the network.

It's usually an employer integrated model where the employer offers the service to the employee, and then for an ATM-like fee, they can pull down part of their earned wages between pay cycles.

We see a lot of that kind of volume.

We also see a different flavor of that called instant wage access, which is more of the gig economy.

So think of the Ubers, the Lyft, the DoorDashes, people getting paid at the end of the gig.

That's also pretty significant.

About 8% of the volume on the network is the gig economy.

And then we also see quite a bit of merchant settlements, about 12% of the volume on the network are around merchant settlements.

And then lastly, I would say we see a lot of loan disbursements and insurance disbursements on the network as well.

So the B2C is another prevalent use case that we see on the network that's growing at a very, very substantial rate.

Yeah, I mean, I think the emphasis on systemically reducing fraud across the entire payments ecosystem is kind of where this is headed next.

I mean, all the banks are working on their own safety and security and fraud solutions.

They can see what they can see with their data within their own four walls.

We're trying to extend that to what we can see at a network level.

and then share that with all the participants that are on the network.

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