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jorviyesterday at 6:35 PM3 repliesview on HN

Feels odd that you exclude mentioning the EU, which has had instant transfers for more than a decade. More than two decades, if you include things like iDeal from The Netherlands.


Replies

alibarberyesterday at 8:37 PM

Some banks in some parts of the EU have - SEPA instant was only mandated in January 2025, only for Euro payments.

x1ph0zyesterday at 10:33 PM

Canadians have been able to transfer money via email for ages, only Americans think their system is unique, it is. Uniquely inefficient and costly.

toomuchtodoyesterday at 6:39 PM

Wasn't intentional, I mention SEPA and Wero in other comments, not intended to be an enumeration of all instant payment systems currently active globally. My apologies!

https://www.pymnts.com/wp-content/uploads/2025/05/PYMNTS-Rea...

https://www.emerald.com/cemj/article/33/4/575/1248919/The-ri...

https://en.wikipedia.org/wiki/Instant_payment

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