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Mozrt

Mozrt, Inc.

Solution(s): Mozrt’s API for the FedNow® Service
Website(s): mozrt.com/fednow-info (Off-site)
Contact: Jeff Althaus, jeff@mozrt.com

Inclusion of a provider in the exchange does not reflect any recommendation or endorsement by the Federal Reserve, or any relationship between the provider and the Federal Reserve. Learn more.

Services and products to support the FedNow® Service

Mozrt empowers banks, credit unions and fintechs to access the modern instant payments ecosystem without the burden of legacy system overheads. As a lightweight, API-driven banking platform, we enable financial institutions to operationalize the FedNow Service with near-zero internal development, delivering a high-speed path to real-time clearing and settlement at an unmatched price point. Acting as a high-performance “sidecar” to traditional banking cores, Mozrt allows institutions to maintain existing processes while seamlessly offloading the complexities of instant payments.

Key capabilities include:

  • Direct FedNow connectivity: The Mozrt ETI provides a secure, API-driven 24x7x365 direct connection to the Federal Reserve.
  • ISO® 20022 orchestration: Real-time translation of simple JSON API calls into mandated ISO 20022 XML messaging standards.
  • Sub-RTN management: Specialized support for sub-RTNs, granting a distinct, compliant identity on the payment rails.
  • Real-time ledgering: A sophisticated micro-core providing instant sub-ledgering, virtual accounts and precise FBO structures.
  • Integrated compliance shield: Automated, real-time screening for fraud, OFAC and AML tuned specifically for irrevocable transactions.

Mozrt assumes the operational burden of this “always-on” rail. We manage 24×7 gateway availability, handle Federal Reserve protocol updates, and provide tools for real-time liquidity monitoring. Rather than a lengthy, costly core integration, Mozrt delivers instant FedNow access with unmatched flexibility, empowering clients to unlock the full potential of real-time finance.

Segment type(s)

  • Financial Institution Service Provider

Solution type(s)

  • Account Tokenization
  • Banking as a Service (BaaS)
  • Core Banking Platforms
  • Correspondent Services (settlement)
  • Digital User Experience (mobile/online interfaces)
  • Pay by Bank
  • Payments Hubs/Platforms/Payment Gateways

Use cases/markets served

  • Bill Pay and Presentment
  • Digital Wallet Funding/Defunding
  • P2P Payments

FedNow functionality supported

  • Connectivity to the FedNow Service via FedLine® Solutions
  • Correspondent Settlement Services
  • FI Staff-Initiated Transactions
  • Liquidity Management Transfers
  • Receiving FedNow Transactions
  • RFP Transactions – Businesses Receiving
  • RFP Transactions – Businesses Sending
  • RFP Transactions – Consumers Receiving
  • RFP Transactions – Consumers Sending
  • Sending FedNow Transactions – Business Accounts
  • Sending FedNow Transactions – Consumer Accounts

Ability to integrate with outside core processing solutions

  • Yes, any (core agnostic)

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Note on exchange information

Federal Reserve Financial Services (FRFS) is solely a host for the information presented in this Innovator Exchange and the inclusion or exclusion of a provider should in no way imply any relationship with, or recommendation or endorsement by, the Federal Reserve. Exchange presenters are not utilized by the Federal Reserve for the production or delivery of the FedNow Service. FRFS takes no responsibility for the content or accuracy of the information presented. Users of the exchange should perform their own due diligence on providers. See the Terms of Use and Privacy Policy for additional information.