Intellect Design Arena Ltd. has announced an acceleration of its expansion in the US market with a focus on real-time payments through an AI-first payments platform. The company stated that the platform has been built from first principles and is aimed at supporting banks as demand for instant payments continues to increase across the United States.
According to industry estimates cited by the company, revenue from US real-time payments could reach $2 billion by 2030, with an annual growth rate of around 40%. Business demand for instant payments is rising, while a significant portion of banks are yet to join real-time payment networks. This gap, Intellect said, presents an opportunity for banks to adopt newer payment architectures rather than relying on legacy systems.
Intellect Design Arena currently serves 18 banks and 176 credit unions in North America and works with more than 500 financial institutions globally. The company noted that its existing presence in the region supports its US expansion plans and allows it to offer its payments platform to both large and mid-sized banks.
The AI-first payments platform differs from traditional systems by applying artificial intelligence across multiple stages of the payment lifecycle instead of limiting it to post-transaction analysis. The platform uses AI models for tasks such as transaction validation, anomaly detection, and exception prediction while payments are being processed. The stated objective is to reduce processing delays and operational overhead as payment volumes increase.
The platform provides a single orchestration layer across major US payment rails, including TCH RTP, the FedNow Service, ACH, Fedwire, and SWIFT. Intellect said this approach allows banks to manage different payment networks through a unified control framework while applying intelligence during transaction routing, execution, and settlement.
Built on the company’s eMACH.ai principles and Pay9 architecture, the solution is designed to integrate with existing core banking and operational systems. This structure allows banks to modernise payments infrastructure incrementally. Intellect also stated that its low-code and no-code framework can support faster deployment of new payment rails compared with traditional implementation timelines.
