ChainIT and RS Software announce an alliance aimed at bringing risk-based authentication to account-to-account payments, including payment types that settle instantly and are effectively irrevocable, such as the FedNow® Service and the RTP® network. The offering is designed to continuously assess identity and fraud risk for transactions that are critical to settlement. Rather than replacing existing controls, the solution is intended to operate alongside the fraud systems financial institutions already use. Under the approach described by both outlets, institutions retain responsibility and control over fraud decisions. The joint offering focuses on supporting risk evaluation throughout the payment process, helping to improve authentication and fraud management in faster payment rails where errors or fraud attempts can be difficult to reverse after settlement. The companies present the partnership as a way to strengthen payment security while ensuring that final fraud determinations remain with the financial institution, not the technology vendor. The announcement does not provide further details on deployment timelines or pricing.