Not correct . RTP is from theclearinghouse and Zelle is from clearexchange. Zelle came from a mix of banks trying to address only P2P scenarios. RTP goes beyond to B2C and all other combinations .

Zelle is owned by Early Warning Systems, a wholely owned subsidiary of the top 7 banks in the US. The Clearing House is a joint venture by the top 25 banks in the US.

Clearexchange was purchased by EWS a few years ago.