Improved cash flow.
Instant liquidity means funds are usable the moment they arrive. Your bill pay, payroll, and day-to-day operations don’t have to wait on rails that close for the night.
Aion settles instant payments in seconds, 24 hours a day, 365 days a year.






No cutoffs, no holiday closures, no waiting outside a bank for it to open. Payments move nights, weekends, and holidays alike.
Most platforms limit instant payments to receiving, or to a single network. Aion sends and receives on both RTP and FedNow.
Send one instant payment or run payroll for the whole team at once. Funds land in seconds either way.
Instant liquidity means funds are usable the moment they arrive. Your bill pay, payroll, and day-to-day operations don’t have to wait on rails that close for the night.
Settlement completes in seconds, 24 hours a day, 365 days a year. There’s no batch window and no next-business-day delay to plan around.
Instant Payments cover transactions within the U.S. For cross-border transfers, check out Aion’s International Payments capabilities.
Cash that arrives Friday night doesn’t have to wait until Monday morning to move. The moment funds settle, they’re available to send back out, whether that’s paying a supplier, covering payroll, or moving money between your own accounts.
Real-time inflows mean less working capital sitting unused while you wait for funds to clear through slower rails.
RTP, FedNow, ACH, and wires all run through the same Aion account. No separate system to manage just to move money fast.
Receiving an instant payment is free. Sending one is a flat $5, regardless of amount, well below the $15 average cost of an outgoing domestic wire. Businesses that send instant payments at volume can move to a subscription plan instead.
Incoming instant payments: free.
Outgoing instant payments: $5 per transfer.
Includes 300 outgoing transfers.
Additional transfers at $3.00 each.
Includes 2,000 outgoing transfers.
Additional transfers at $2.00 each.
"Aion’s Instant Payments feature has streamlined our cash flow. Paying suppliers in seconds means fewer disruptions and more time spent growing our business. It’s a game-changer for how we operate."
Manufacturers paying suppliers against tight production schedules. Logistics operators running payroll for hourly teams. Any growing business where a delayed payment means a delayed relationship, not just a delayed transaction.
Instant Payments are included with your Aion banking account: no separate signup, and available the moment your account is open.