Q2 2025 instant payments data reveals a seismic shift that's about to blindside fraud teams: Same Day ACH grew 15% to $980.3 billion, RTP surged 195% to $481 billion, and FedNow jumped 62% with average daily values up over 400%. But here's what the headlines miss, it's the largest expansion of fraud attack surface in banking history.

Fraud teams operating on legacy detection timelines are about to face real-time attacks at unprecedented scale. Your current 24-48 hour fraud review cycles just became obsolete.