Planned — subject to authorisation and implementation

SEPA Instant

Planned near-instant euro credit transfers for time-sensitive collections and payouts.

Category

Payments

Availability

Planned

Delivery

Fintech Meta and/or partner

Required controls

  • Real-time sanctions screening
  • Instant-payment limits and velocity checks
  • Near real-time reconciliation

Dependencies

  • SEPA payments
  • Transaction monitoring

Purpose

SEPA Instant enables near-instant euro transfers, supporting time-sensitive collections and payouts.

Planned capability

Initiation and receipt of instant euro transfers with real-time screening, limits and confirmation.

Primary users

Businesses needing rapid settlement; operations and payout teams.

Required controls

Real-time sanctions screening, instant-payment limits and velocity checks, and near real-time reconciliation.

Dependencies

Depends on SEPA payments and transaction monitoring.

Delivery model

Expected delivery: Fintech Meta infrastructure and/or an approved specialist partner, with Fintech Meta retaining the oversight required by the final operating model.

Audit evidence

Instant-payment records, screening decisions and reconciliation logs.

Regulatory considerations

Available only once the relevant payment authorisation is obtained.

Availability

Planned — subject to authorisation and implementation.