systems , methods , and computer program products for providing a distributed instant fund transfer network are disclosed . for example , a computer - implemented method may include receiving , by a first server machine of a first financial institution , an instant fund transfer request from a user via a browser application , providing , by the first server machine , the instant fund transfer request to a second server machine of a financial services provider via a first application programming interface chained by the financial services provider to a different api associated with a second financial institution , advancing , by the second server machine , funds from a cash account associated with the second financial institution regardless of whether transferred funds are received from the first financial institution , and providing , by the second server machine , instant fund transfer completion information to a third server machine of the second financial institution via the second api based on the chaining .