As the end of 2025 approaches, the payments industry is entering a new phase: execution at scale. The past few months have brought major milestones, including the formal completion of ISO 20022 migration for Fedwire, notable surges in same-day transaction volumes, and sweeping legislation such as the OBBBA and GENIUS Act that now mandate speed, intelligence, and inclusivity in US financial infrastructure. But with these changes now codified, the focus shifts from preparation to performance. For financial i ...