Infrastructure

A2A overlay platform

Scheme operators (e.g. EPI / Wero) · Europe · EUR

Retail A2A overlay: payment intent, proxy (phone/email → IBAN), then settlement on instant rails. Wero is the sample; Bizum, Payconiq, iDEAL, BLIK, Swish, Vipps MobilePay and TWINT follow the same split.

Retail A2A checkout and P2P where the UX is the overlay scheme and money still moves as an instant credit transfer (SCT Inst in the euro area).

⚡ Instant payment flow

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