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.

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alibarber 17 minutes ago | parent | next [-]

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

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toomuchtodo 2 hours ago | parent | prev [-]

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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jorvi 2 hours ago | parent [-]

> not intended to be an enumeration of all 54 instant payment systems currently active.

Even then, not mentioning those who pretty much started / invented instant transfers still seems odd :) but no need to apologize haha, maybe I was a bit too abrasive.

I get why you prioritized to mention those though. The Chinese and Indians have leapfrogged us. No more fussy legacy (digital) cards, just scan a QR and go. Even illicit food stalls and street wanderers have accounts, when they wouldn't be able to get a 'real' bank account.

And the Chinese and Indians don't have to pay tribute to the Mastercard-Visa overlords either. Although Wero and the digital Euro might eventually change that for Europe too.

	▲	dumpsterdiver an hour ago \| parent [-]
		Can you imagine how cumbersome conversations would become if people felt obligated to qualify ad-hoc statements with what amounts to a historical ledger? Every new entry would open up an opinion around “if you included that, why didn’t you include this?” In such cases we’ll always up at Kevin Bacon.