Real-time payments have found successful applications in the payroll industry. When employees need to be paid right away to correct an error or to quickly forward their last payroll, real-time payments reduce the friction and cost of handing a check to an employee or sending a wire. Much has been written about the opportunity to use real-time payment transactions to pay gig economy or contingent workforces by the task or multiple times a day, which helps employees meet their financial obligations and creates a positive work experience.