> This page is for Consumer.

> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://citi-demo.ferndocs.com/consumer/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://citi-demo.ferndocs.com/consumer/_mcp/server.

# March 24, 2026

## Move money in real time

Sending and moving money is now available across the Consumer platform.

### What's new

* **[Send Money](/consumer/api-docs/payments/send-money)** — Send funds person-to-person with just an email address or U.S. mobile number.
* **[Bill Pay](/consumer/api-docs/payments/bill-pay)** — Add payees and schedule one-time or recurring bill payments.
* **[Transfers](/consumer/api-docs/payments/transfers)** — Move money between a customer's own accounts or to and from linked external banks, including same-day ACH.

### Improvements

* Payment and transfer events now flow through the notifications system so you can track delivery end-to-end.