PYMNTS Intelligence, in collaboration with Ingo Payments, reveals a hidden behavioral shift reshaping how United States consumers interact with disbursements. Instant payments are getting stickier. While the overall share of recipients who use instant disbursements has changed little in the last few years, the portion that cite an instant rail as their primary method for receiving a payout continues to grow. This makes offering instant payments central to any strategy for corporate senders that want to keep their recipients in their own banking network by issuing debit cards or accounts. Transactional payroll is the best gateway to creating repeat users. Instant payments are stickiest for core cashflow recipients who rely on disbursements as primary income. Among these individuals, over two-thirds receiving any instant payments cite an instant rail as their most-used method for disbursements. Corporate senders who pay gig workers and contractors can reshape their transactional payroll relationships by promoting instant payment adoption to these recipients. Instant payroll stickiness cuts across age groups. Every generation, from Gen Z to Gen X, has stickiness ratios well above 50%, and baby boomers are not that far behind. This emphasizes the broad appeal of instant payments—once recipients experience the speed and convenience of instant rails, they generally convert to regular users, regardless of age. Digital wallets are a force multiplier for instant payments. Recipients who use digital wallets to receive instant disbursements are much more likely than those using other instant rails to become regular users. That said, other rails, including push-to-debit and instant bank account payments, have strong appeal, particularly for certain disbursement types.