> ## Documentation Index
> Fetch the complete documentation index at: https://docs.ecrypt.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Add-Ons

ECRYPT offers optional add-on services to enhance your ACH integration with faster funding, real-time payments, and account validation tools. Contact your account manager to enable any of the services below and learn about pricing.

## Value Added Services

| Service                  | Description                                                                                         |
| ------------------------ | --------------------------------------------------------------------------------------------------- |
| Premium Funding          | Accelerates ACH settlement to 1-2 business days instead of the standard funding timeline.           |
| Same Day ACH Origination | Submits ACH transactions through the Same Day ACH network for same-business-day settlement.         |
| Real Time Payments (RTP) | Sends payments instantly via the RTP network, with funds available to the recipient within seconds. |

## Authorization & Validation Services

| Service                        | Description                                                                                                    |
| ------------------------------ | -------------------------------------------------------------------------------------------------------------- |
| Basic Account Validation       | Confirms that a bank account number and routing number form a valid combination.                               |
| Enhanced Account Validation    | Verifies account validity and checks whether the account is open and able to receive transactions.             |
| Premier Account Validation     | Provides the highest level of account verification, including ownership and status confirmation.               |
| Consumer Identity Verification | Validates that the account holder's identity matches the name provided during enrollment.                      |
| Credentialed Token Creation    | Uses a credentialed data provider (such as Plaid) to generate a secure, reusable account token.                |
| Credentialed Balance Check     | Retrieves a real-time balance from the account holder's bank via a credentialed data provider (such as Plaid). |