🇪🇺 Banks to ECB : “We don’t see eye to eye” on the Digital Euro. (@FBFFrance on #CBDC) 🚀 Yesterday in Paris, a key event took place between @ecb , @banquedefrance , @DGTresor and key players from banking and payments — thanks to the leadership of @FRANCEPAYMTSFOR 💬 The dialogue is finally opening. It was a privilege to hear from Piero Cipollone (ECB Executive Board), who is shaping the digital euro strategy, alongside @ErickLacourrege and Adeline Bachellerie, @SocieteGenerale , @WorldlineFrance , and many others. ✅ While the ECB confirmed its continued support for cash, the reality for the digital cash project is stark: ❌ There is no consensus on a Retail CBDC in Europe! ❌ Banks oppose it—seeing it as added cost and complexity, conflicting with higher-priority projects like #WERO, #OpenBanking, #InstantPayments, and #RequestToPay. ❌ Citizens aren’t demanding it—privacy and capital control remain serious concerns. Limited holdings mean it is not at all like true cash for them! ❌ Merchants can’t even hold it, as the ECB insists CBDC is a “means of payment,” in a "reverse waterfall" not actual money—akin to Visa or Mastercard. 💡 The ECB seems to be solving the wrong problem. We agree on the diagnosis, and the Euro needs a Digital Euro form, but not this version. 📊 The ECB seems to focus on banks’ concerns, blocking citizens from holding CBDC in order to preserve bank liquidity and avoid impacting lending. But this could give birth to a dead born Digital Euro due to a lack of adoption. A new design is clearly needed. 🏛️ Central banks need a Euro-based cryptocurrency—programmable, blockchain-compatible, and capable of supporting the tokenized economy. 🇫🇷 Banque de France is already leading with #DL3S, a DLT-native solution enabling atomic and native settlements (DvP, PvP)—a real #CBDC at the heart of central banking. Perhaps the ECB can learn from this and build a Layer 2 cryptocurrency euro on top of this Layer 1 blockchain foundation—to finally play on the same field as #Bitcoin and #Stablecoins. ⏱️ It’s time to rework the design, address real needs, and build a future-proof Euro—cross-border, truly digital cash, not a Web2 interface for online payments, but #DeFi-ready. Even then can it even compete with the rising adoption and proven value of #Bitcoin?

Details of the new rulebook for the #ISO20022-based SEPA #Request2Pay. It includes a set of operating rules and technical messages that enable a payee to request the initiation of a transaction from a payer in a wide range of physical or online use cases. #RequesttoPay

The Bank of Lithuania @Lietuvosbankas is developing a #Request2Pay contribution and tax collection service for public sector institutions and financial market participants. LB announced last week that the SEPA #RequesttoPay-based message service will allow to refuse the...

Point-of-sale terminals are starting to drive me mad, but fortunately they won’t be around for ever. buff.ly/4dSVCwE #R2P #Payments #Contactless #PaymentInnovation #FinTech #RequesttoPay #CustomerExperience #PointOfSale #POS

Successful pan-European #Request2Pay proof of concept - A video by @ebaclearing showcases the key outcomes of the proof of concept and examples of #RequesttoPay exchanges for e-invoicing. youtube.com/watch?v=4oFfIdWw…

The topic #Request2Pay is on the agenda of the NextGen Nordics 2024 by @Finextra. "#RequesttoPay - the best way to manage cash flow and exchange data?" is the question posed by one of the panels at the conference. nextgennordics.com/full-agen…

#salonepagamenti è ora in corso in Sala Red 2 il #workshop @plick_eu L'embedded finance al servizio dei processi di #incasso e #pagamento: oltre la #requesttopay a cura di Anna #Omarini @Unibocconi @sdabocconi #embeddedfinance #pagamenti #payvolution

#salonepagamenti #23novembre📌Iscriviti e prenota il tuo posto bit.ly/472lfYg al #workshop @pick_eu L'#embeddedfinance al servizio dei processi di #incasso e #pagamento: oltre la #requesttopay moderato da Anna #Omarini @sdabocconi #openbanking #pagamenti #payvolution

With RT1, PSPs process transactions in about 1 second across Europe and will soon be also able to take their instant payments offerings to the next level: with FPAD, IXB and R2P. Learn more bit.ly/43PjBqp #requesttopay #crossborderpayments #fraudprevention

PRESS RELEASE: SEPAexpress partners with Volt.io to offer Request to Pay across Europe Read the full press release here ⬇️ lnkd.in/eUJW58Ak #requesttopay #payments #openbanking #financialtechnology #fintechindustry #payments #paytech #digitalpayments

Erfahren Sie mehr im kostenlosen Whitepaper „Das Potenzial von Open Finance und wie es moderne Payment-Methoden fördert“: syngenio.com/whitepaper-das-… #openfinance #a2a #payment #openbanking #digitalpayment #openpayment #requesttopay #rtp #sepa #instantpayment #banken #bezahlmethoden

𝗢𝗽𝗲𝗻 𝗙𝗶𝗻𝗮𝗻𝗰𝗲 – ein echter Gamechanger. 𝗠𝗲𝗵𝗿 𝗱𝗮𝘇𝘂 𝗸ö𝗻𝗻𝗲𝗻 𝗦𝗶𝗲 𝗵𝗶𝗲𝗿 𝗻𝗮𝗰𝗵𝗹𝗲𝘀𝗲𝗻: syngenio.com/whitepaper-das-… #openfinance #a2a #payment #openbanking #digitalpayment #openpayment #requesttopay #rtp #sepa #instantpayment

Die digitalen Brücken zwischen Rechnungsstellern und Rechnungsempfängern #eBill #RequestToPay #InstantPayments @fintechrockers @NeiraOsci @ggreve @Salz_Er @comboeuf @alainveuve @andreaspages @UrsBolt @guidodeckstein @ndwr @FinRishi @StengelCornelia moneytoday.ch/news/die-zukun…

Merci à tous les participants venus ce matin échanger avec nos experts autour des obligations de #facturation électronique pour 2024 et des solutions de #paiement #OpenBanking #RequestToPay au sein de notre centre d'innovation #Worldline La Défense. #WorldlineIEC #Innovation

Venez-vous informer et échanger autour de la facturation électronique, bientôt obligatoire en 🇫🇷, et de nouveaux services digitaux et de #paiement, dont #OpenBanking & #RequestToPay, lors notre petit-déjeuner le 6 février prochain à 8h. ➡ Inscription sur okt.to/IK7ufg

Gelingt Request to Pay 2023 der Durchbruch? Schön wäre es ja, habe allerdings meine Zweifel - der Kalender zeigt heute bereits den 15.12.2022 an ... kartensicherheit.de/oeffentl… #RequestToPay

Speaking to #AerialView, Andrew Haskell, Head of Immediate Payments at #BNYMellon, explains that digital payments such as request-to-pay provide a win-win solution for both consumers and corporates. #payments #requesttopay #futureofpayments #digitalpayments #environment

Our UK MD @timannis was featured in @alisonbcoleman's @Forbes piece which looks at how businesses can support customers during financially trying times. Our #RequesttoPay tech transforms the #payment experience. Find out more below forbes.com/sites/alisoncolem…

Tune in to a free #webinar at 8:30am tomorrow where our client @paybybluechain will be talking billing, #RequestToPay and the customer experience. If you have SME, SOHO or consumer customers, no need to register, just click the link below💡 us02web.zoom.us/j/8142548914…

A massive congrats to our client @paybybluechain on their UK launch. They are transforming the #billing experience for the payer and payee with their #RequestToPay tech. Get all the details in @BDCMagazine below 📈