Money Movement Use Cases
Overview
Highnote's money movement capabilities support disbursement scenarios across industries. Each use case below leverages Highnote's unified platform to move funds via Push-to-Card (INT), RTP, and ACH.
Payroll, EWA and Tips
Employers and payroll platforms in hospitality, food service, and other service industries can use Highnote to disburse wages, earned wage access (EWA) advances, and tips to employees.
Supported rails:
| Rail | Use | Speed |
|---|---|---|
| INT | Delivers tip payouts and shift-end earnings to a worker's debit card in minutes | Minutes |
| RTP | Sends payroll advances and EWA disbursements directly to an employee's bank account in real time | Minutes |
| ACH | Handles standard payroll runs and bulk disbursements where same-day or next-day settlement is acceptable | 1-3 days |
1099 GIG Worker
Gig economy and marketplace platforms that connect SMB merchants with independent contractors can use Highnote to manage contractor payouts.
Supported rails:
| Rail | Use | Speed |
|---|---|---|
| INT | Push-to-Card enables instant disbursement upon job completion to a contractor's debit card | Minutes |
| RTP | Provides on-demand payouts directly to a contractor's bank account when immediate access to funds is required | Minutes |
| ACH | Supports scheduled weekly or monthly settlement cycles for recurring contractor relationships | 1-3 days |
Corporate Disbursements
Corporate platforms managing disbursements across multiple categories — customer rewards, refunds, marketing funds, and promotional payouts — can use Highnote to route each payment through the appropriate rail.
Supported rails:
| Rail | Use | Speed |
|---|---|---|
| INT | Push-to-Card enables instant refunds directly to a recipient's card on file | Minutes |
| RTP | Handles time-sensitive disbursements like refunds and promotional payouts that require immediate delivery | Minutes |
| ACH | Supports high-volume, lower-priority distributions such as bulk reward programs and marketing fund allocations | 1-3 days |
Stablecoin Wallets
Stablecoin platforms serving both direct-to-consumer and B2B markets can use Highnote to provide fiat onramp and offramp capabilities alongside core disbursements.
Supported rails:
| Rail | Use | Speed |
|---|---|---|
| INT | Push-to-Card enables instant offramp from a stablecoin wallet to a user's debit card | Minutes |
| RTP | Supports offramp to a bank account with real-time settlement | Minutes |
| ACH | Handles bulk onramp and offramp operations as well as recurring fiat conversion flows where immediate settlement is not required | 1-3 days |
