The Instant Payments Regulation (IPR) mandating immediate payments for euro-denominated credit transfers is a watershed moment. Specifically, it moves instant transfers from a niche offering to a mainstream expectation. Celent has this week released a report, entitled: SCT Inst Adoption in Europe: Build It and They Will Come. By 2035, Celent anticipates that SEPA Instant Payments (SCT Inst) will be deeply ingrained in European commerce, effectively the “new normal” for electronic payments. The real winne ...

Core Insights - PNC Bank and Visa have renewed their strategic collaboration to enhance immediate payment capabilities for PNC's treasury management clients [1][2] - The collaboration allows PNC's Treasury Management Platform to utilize Visa Direct for real-time payment processing, improving money movement and payment efficiency for clients [2][4] Company Developments - PNC's partnership with Visa addresses the increasing demand from corporate and commercial clients for faster and secure payment solutions [3] - The integration of Visa Direct enables PNC to provide solutions for various use cases, including B2C and B2B transactions such as insurance disbursements and gig economy payouts [4] Industry Trends - The demand for instant payment capabilities is rising, with over 60% of commercial banks indicating that businesses consider these features essential [6] - Consumer expectations are also shifting, with nearly 80% of consumers stating that instant payments are the most important digital feature a bank can offer [7] - Visa reported a 23% increase in Visa Direct transactions in its fiscal fourth quarter, totaling 3.4 billion transactions [6]

Core Values - Dash emphasizes the confidentiality of financial history [1] - Dash promotes instant payments [1] - Dash highlights the safety and security of its digital currency [1] - Dash aims for user-friendly wallet design [1] Target User Benefits - Dash positions itself as a cryptocurrency that users "deserve" [1]

Core Values - Confidentiality of financial history is paramount [1] - Instant payments are a key feature [1] - Safety and security of funds are essential [1] - Ease of use for the wallet is a priority [1] Target Audience - Users deserve Dash [1]

Crypto Adoption & Market Position - Brazil ranks in the Top 5 globally for crypto adoption [1] Technological Advancements - PIX facilitates instant payments in Brazil [1] - Ethereum enables programmable money and assets [1] Future Outlook - The future of finance is emerging, linked to events like ETHLatam & EFDevcon [1]