Same Day ACH volume grew 16.7% last year to 1.4 billion payments worth 3.9 trillion dollars, according to Nacha's 2025 ACH Network statistics. RTP and FedNow are compounding that shift, moving money in seconds instead of days. That same speed cuts the other way too. More than three in four US organizations experienced attempted or actual payments fraud in 2025, according to the AFP's 2026 Payments Fraud and Control Survey, with ACH debits a frequent target. The clearing window banks used to rely on to catch a bad payment before it settled is disappearing, and most fraud and risk tools still assume the slower rails they were designed for.
Megabanks can absorb fraud losses and build proprietary risk infrastructure at scale. Community banks and credit unions don't have that luxury, and they can't afford to fall behind on speed either. A failed or fraudulent payment costs a smaller institution both revenue and trust, and every added friction point in account opening or funding risks losing a customer to a faster, less careful competitor.
When a customer opens an account, links an external bank account, or funds a new account through Narmi, GrailPay checks in real time whether that linked account is real, active, and belongs to the person using it, before the funds are accepted. The check runs in the background at the exact moment an account is opened, linked, or funded, without slowing down the process or adding a step for the customer.
GrailPay supplies the risk signal; it doesn't make the decision. The bank or credit union keeps full control over its own approval process and risk thresholds, and the check works alongside whatever fraud and compliance systems are already in place rather than replacing them. Coverage extends across the rails where the risk gap is widest: Same Day ACH, RTP, wires, and FedNow.
GrailPay is a risk and data network built specifically for bank payments, checking accounts and scoring transactions across a network covering more than 99% of US bank accounts. Narmi is integrating that technology directly into its own platform, so its bank and credit union customers get the capability without adding a separate tool or a new vendor relationship of their own.
With this partnership, community financial institutions can move at the same speed as the largest national banks and know a payment is safe before it goes through, all while keeping the local relationship and trust that sets them apart.
