Work

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

Year: 2026

Type: preprint

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/

Source: Zenodo (CERN European Organization for Nuclear Research)

DOI: 10.5281/zenodo.23885700

Author: Ruiz, Daniela

Language: English

Topic: Working Capital and Financial Performance

Subfield: Accounting

Field: Business, Management and Accounting

Domain: Social Sciences

Open Access status: green

OpenAlex ID: W7225121292

Cites:

Cited by:

Related to: 10