Pidgin is a powerful payments application that facilitates faster payments between consumers utilizing a variety of payment rails including real-time payments (RTP), ACH, and card payments. The Pidgin app is a safer, more efficient and faster way for consumers to move money designed to keep funds in the credit union. Often times these funds sit in a competitor’s digital wallet rather than the member’s account at the credit union. As volume on these types of applications continues to increase, a credit union’s net interest margin and liquidity could be significantly impacted. Pidgin allows consumers to conveniently and securely move money directly from their credit union accounts. Unlike other P2P applications, Pidgin can bypass the digital wallet structure and initiate a credit push directly between financial institutions in the RTP network.