Daniel Ranallo

🚨 𝗠𝗮𝗷𝗼𝗿 𝗖𝗵𝗮𝗻𝗴𝗲𝘀 𝗖𝗼𝗺𝗶𝗻𝗴 𝘁𝗼 𝗡𝗔𝗖𝗛𝗔 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝗶𝗻 𝟮𝟬𝟮𝟲 🚨 If you're a 𝗧𝗵𝗶𝗿𝗱-𝗣𝗮𝗿𝘁𝘆 𝗦𝗲𝗿𝘃𝗶𝗰𝗲 𝗣𝗿𝗼𝘃𝗶𝗱𝗲𝗿 (𝗧𝗣𝗦𝗣) operating in the ACH space—especially in fintech—now is the time to act. NACHA is tightening its fraud monitoring expectations, and TPSPs are squarely in the spotlight. The 2026 rule changes 𝗱𝗲𝗺𝗮𝗻𝗱 𝗽𝗿𝗼𝗮𝗰𝘁𝗶𝘃𝗲 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀 to detect: ✅ Originators with unusual ACH volumes ✅ Rapid-fire transactions from newly created accounts ✅ Behavior consistent with money mule activity At Unit21, we’re here to help you stay ahead. From customizable rules like: 📌 Flagging new accounts receiving $10K+ in 7 days 📌 Catching 80%+ outflows within 48 hours We make fraud detection and compliance 𝘴𝘪𝘮𝘱𝘭𝘦 𝘢𝘯𝘥 𝘱𝘰𝘸𝘦𝘳𝘧𝘶𝘭. 🔗 Dive into Nacha's expectations and how Unit21 can help: https://hubs.li/Q03QMSZ00

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Payout fraud doesn’t start at payout, it starts much earlier. Fraudsters exploit gaps between onboarding, verification, and payment execution. That’s why VoPay Verify™ now operates as a unified identity and fraud intelligence layer helping platforms assess trust before any money moves. With new identity, email, phone, and address verification tools, platforms can reduce payout fraud, strengthen compliance, and make confident approval decisions across the entire user lifecycle. Learn what’s new in VoPay Verify™ and how it helps protect payouts. https://hubs.li/Q03YKlKN0 #Fintech #Payments #Paytech #PayFac #Treasury #VoPay #Compliance #verification #IDV

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Fraud moves across rails. Can your controls? i2c Inc. Chief Client Officer Serena Smith says interoperability is the defining payments challenge of 2026. In her conversation with PYMNTS, she warns that post-transaction monitoring was not built for instant settlement. Consistency now determines trust. More on PYMNTS: https://hubs.ly/Q044cvhV0

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Today we are launching Gretta, the AI compliance testing agent. Compliance teams spend 20 to 30 hours every month pulling interactions from one system, customer records from another, cross-referencing product terms from a third, scoring each one against a regulatory requirement, and logging everything into a spreadsheet that sits in a shared drive until an examiner asks for it. No more. Gretta connects to your source systems, applies your test scripts, scores every sample against the relevant control criteria, flags violations with regulatory coverage across BSA/AML, UDAAP, Reg E, Reg Z and many more. We turn 30 hours of manual testing into one.

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Most fintechs don’t think much about audit trails. Until a regulator asks for one. That’s when missing logs turn a small oversight into a major problem. A compliance audit trail isn’t just recordkeeping. It’s how you prove your controls actually work. Every approval, policy update, or AML review should leave a traceable path. Without that, regulators and even your bank partners can’t verify your compliance story. Read our article to learn more: https://lnkd.in/e4yJ2aSp 

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The devs listened. We just shipped callstack forking. Your assertions can now inspect the state during transaction execution, not just before and after. Price manipulation attacks happen mid-transaction but reset before completion. Previous tools only see start/end states - the manipulation is invisible. Step through your transaction call-by-call and validate the state at each point. This would have prevented 7 out of 9 major price manipulation attacks, including KiloEx ($1.6M), Mango Markets ($117M), and BonqDAO ($120M). We also fixed the testing interface, replacing the old, confusing multi-step process with a single setup line. Want to try it? Reach out for demo access. Blog: https://lnkd.in/gVrts5KA

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ACH vs. Real-Time Payments vs. OCT/AFT: What’s the Difference? The #Payments ecosystem offers various methods for moving money. Let’s compare three critical systems and their unique advantages: 1️⃣ ACH Transfers: Speed: Typically processed in batches, taking 1-3 business days (or same-day for Same Day ACH). Cost: Low fees make it great for payroll, bill payments, and recurring transactions. Use Case: Ideal for everyday transfers like direct deposits and business-to-business payments. 2️⃣ Real-Time Payments (RTP): Speed: Instantaneous—funds are moved and settled in seconds, 24/7. Cost: Generally higher than ACH but lower than wire transfers. Use Case: Perfect for urgent, high-priority payments like real estate transactions or account-to-account transfers. 3️⃣ OCT (Original Credit Transactions) and AFT (Account Funding Transactions): Speed: Near-instant transfers initiated via payment networks like Visa Direct or Mastercard Send. Cost: Typically higher due to network fees but offer incredible speed and reach. Use Case: Great for payouts like refunds, gig economy payments, and instant cash disbursements. Understanding when to use ACH, RTP, or OCT/AFT can make all the difference in optimizing costs and efficiency in your payment strategy. 🎓 Want to master the nuances of these payment methods? 👉 Get FREE access to our Intro to Payments course at the Payments Academy and learn how these systems power the modern payments industry. Sign up now: https://lnkd.in/eMP95gJa #ACH #RealTimePayments #OCT #AFT #FinTech #DigitalPayments #PaymentsAcademy #ProfessionalDevelopment

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