Single Euro Payments Area
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Search complete. 27 mentions across 18 episodes found for "Single Euro Payments Area".
Oct 21, 2026
Julian FarleyGUEST
So any payment, regardless of what it's for or what its channel is, can go into an orchestration hub, and that will then decide what is the most appropriate route to send that out.
Julian FarleyGUEST
Maybe it's SEPA.
Julian FarleyGUEST
In the UK, it's faster payments, it's Bacs.
Julian FarleyGUEST
It could even manage the card rails.
Alex YoungGUEST
No, of course.
Alex YoungGUEST
Well, look, we're here in Lisbon, so why don't we focus on Europe? Um, so SEPA has been around a, a long time now.
Alex YoungGUEST
But if you think about, uh, the 40 countries that can... or 40 plus countries that can access SEPA, um, it's a, it's a very quick, you know, now with SEPA Instant, you know, less than 10 seconds cross-border settlement.
Alex YoungGUEST
It's at an ACH price, very, very cheap for the consumer and, you know, no deductions permitted.
Alex YoungGUEST
The challenge remains though that if you are trying to move money in or out of the SEPA zone, um, you're looking at potentially 12 times higher costs-
Grant EvansHOST
Yeah
Alex YoungGUEST
... and many days of delay.
Jacquelyn MelinekHOST
Mm.
Josh CheongGUEST
You have your standard like SWIFT, uh, SEPA, um, and, uh, in, in Singapore, FAST transfers, bank transfers, and now there's a whole new category of stable coin transfers.
Josh CheongGUEST
It's already a mandate that they have this category of, uh, of, uh, transactions.
Josh CheongGUEST
Yeah.
Henri ArslanianHOST
Yep
Keith Vander LeestGUEST
... to get SEPA Instant, in the UK Faster Payments, and here in the US RTP FedNow, um, so that while we try to do everything on-chain, inevitably we have to do something off chain.
Keith Vander LeestGUEST
We have that, uh, that fiat leg as well.
Keith Vander LeestGUEST
So we've got liquidity sourced through a trading desk.
Catharine HigginsonHOST
your water bill, your telephone, your internet, your insurance, your taxes, maybe your rent or mortgage, and eventually all of the other direct debits and payments which make up everyday life here.
Catharine HigginsonHOST
Now, SEPA rules mean that an IBAN from another SEPA country can, in principle, be used for many payments.
Catharine HigginsonHOST
But in practical terms, you may still find that French organisations ask for a French RIP, And this is where we get to our first important French banking word, RIB.
Catharine HigginsonHOST
You will hear this constantly.
Gabe SelbyHOST
Yeah.
Gabe SelbyHOST
So I, I wanna maybe, uh, also bring up a topic that was very, it's very timely right now, which is this week, Payward agreed to buy Saudo Bank, uh, which is a Lithuanian bank with full SEPA access and a passport into five EU markets.
Gabe SelbyHOST
Um, it-- One of the things that, you know, I think it's, it's very timely that we have you on here right now is to maybe just kinda give the audience a little bit of a background on, on what that kinda can mean for, uh, like the strategy in creating like these, these, these new age neobank/stable coin offerings, uh, with Payward and, and also what we're building i- in the payments, uh, in the payments team with your team specifically.
Bivu DasGUEST
Yeah.
Bivu DasGUEST
Uh, um, you, you still need to do things that a traditional bank can do.
Bivu DasGUEST
And that is paying interest on deposits from central bank, um, so central bank reserves.
Bivu DasGUEST
That is lending, um, directly some of those on, on those deposits and direct access into some of the paym-- local payment systems like SEPA.
Bivu DasGUEST
Um, and it, and it's also providing infrastructure that we currently rent from banks, right? So we currently rent the SEPA access, the safeguarding of funds and deposits, um, and the payment rails.
Dileep ThazhmonGUEST
So I'll give you an example.
Dileep ThazhmonGUEST
Previously, two years ago, you could have come to Jeeves and say, hey, I want to do a payment between, let's say, Mexico and Europe, right? And you'll say, great, put in your information for SEPA, hit send, we collect your funds in Mexico, send it to Correspondent Bank 1, send to the second bank, and then they pay it out.
Dileep ThazhmonGUEST
Takes about one to two days.
Dileep ThazhmonGUEST
Now you come to Jeeves.
Dileep ThazhmonGUEST
It actually looks exactly the same.
Dileep ThazhmonGUEST
It's the same information.
Dileep ThazhmonGUEST
It's still SEPA.
Dileep ThazhmonGUEST
You hit send.
SatoshiHOST
George, your thought on Ripple holds substantial weight.
SatoshiHOST
Acquiring a bank provides immediate direct access to the Eurozone's payment infrastructure like SEPA.
SatoshiHOST
This significantly streamlines their core business of facilitating frictionless cross-border liquidity and payments.
SatoshiHOST
It also reinforces institutional trust, providing that direct regulatory foothold within the EU and validating their enterprise solutions, George.
Ed TaylorGUEST
So at the moment, the bank transfer's alive for Canadians with the Interac e-Transfer.
Ed TaylorGUEST
Also, for anyone in the EU or the UK, we support SEPA, um, and, uh, FPS, so faster payments in the UK.
Ed TaylorGUEST
The next step after that, which we're, we're working on now, is obviously the, the US.
Ed TaylorGUEST
That's where we have the, the most demand.
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