[Openid-specs-fapi] EU Open Banking Request

[Anders Rundgren]

One of the more well-known infrastructure people from the EU recently sent me the following private message:

👉 My objective is to have open banking and instant payments join forces at POS. That would be the Graal… 👈

I totally agree, instant payments without supporting this use case are not very useful.

What few (anybody?) seem to have investigated is the function of payment intermediaries when transactions are resolved in real-time. Either a transaction succeeds or it does not.  Since P2P payments using the very same inter-banking infrastructure do not pass through Stripe et al, this question is not entirely unmotivated.

Anders