Mandatory Regulatory Notice: InstaPay IPX is an independent technology infrastructure provider, not a chartered bank, depository institution, or licensed money transmitter. The platform currently operates strictly in developer sandbox and public testnet mode (MODE=prototype, TESTNET_ONLY=true). No live customer fiat or mainnet funds are accepted, held, or transmitted. References to banking rails (ACH, FedNow, RTP) identify developer sandbox adapters evaluated for integration with authorized, Member FDIC banking institutions under future sponsorship agreements. Digital asset routing is non-custodial. See our Regulatory Disclosures for complete details.
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ISO 20022 Aligned • Non-Custodial Multi-Rail Orchestration Architecture