Rail Selection Calculator — When Money Moves

What You'll Get

A recommendation engine evaluating Wire, ACH, Same-Day ACH, RTP/FedNow, and Check

Scoring across four security dimensions: verification time, intervention opportunity, recovery options, and evidence quality

Critical override rules that block dangerous combinations (e.g., unverified recipients + irrevocable rails)

A downloadable PDF analysis you can attach to transaction documentation

How It Works

Enter transaction details: type, amount, verification level, timing, account source, and reversibility preference

The calculator scores all five rails against your specific inputs

Review the recommended rail with its risk profile and explanation

Check for warning flags (especially around vault accounts and unverified recipients)

Who It's For

Built for treasury professionals

Treasury professionals, controllers, and anyone who selects or approves payment methods for outgoing transactions.

The Key Insight

Rail selection is a security decision, not a logistics one

The rail you choose determines your verification time, intervention options, and whether recovery is possible. It should be a security decision, made early.