A Unified System for Modern Payment Networks

Binance.US has announced a strategic partnership with AptPay Inc. to provide customers with faster and more reliable options for moving U.S. dollars. Through this collaboration, AptPay will serve as the orchestration layer for the exchange’s connections to U.S. banking systems, enabling seamless deposits and withdrawals across multiple payment networks through a single integration.

The new system is built on AptPay’s Account-to-Account (A2A) platform, which intelligently routes transactions through various channels, including standard ACH, Same Day ACH, wire transfers, the Real-Time Payments (RTP) network, and the Federal Reserve’s FedNow service. This allows the platform to automatically select the fastest or most cost-effective path for each transaction. If a chosen network is unavailable, it can instantly pivot to an alternative, a feature designed to improve speed and reliability without compromising compliance.

Binance.US positioned the move as a direct response to user demand for immediate liquidity. The exchange noted that the U.S. payments landscape continues to evolve, with real-time networks now reaching over 1,300 financial institutions and processing more than 300 million transactions in 2024. The partnership aims to give Binance.US customers direct access to this expanding infrastructure.

Integrating Crypto with Traditional Finance

For both retail and institutional users, the partnership promises significant practical benefits. Customers can expect instant withdrawals in areas where RTP or FedNow are supported, with automatic fallbacks to ACH when necessary. The system also offers improved settlement visibility with real-time notifications and automated reconciliation, tackling the withdrawal delays that have often been a pain point for digital asset platforms.

Christopher Blodgett, Chief Operating Officer of Binance.US, stated that the partnership supports the platform’s goal of expanding how customers can securely and seamlessly move funds. Similarly, AptPay CEO Shams Syed described the collaboration as a key step in linking real-time payment rails with the digital asset industry, streamlining access to funds and automating financial operations.

This announcement complements other recent updates from Binance.US, including a revised fee model offering 0% maker fees and 0.01% taker fees on over 20 asset pairs without subscription or volume requirements. By integrating with AptPay’s single-API solution, Binance.US aims to strengthen its market position as the worlds of crypto trading and traditional payments become more interconnected.