Research: Payments
Payments Are Becoming Invisible, and That Changes the Product
A seamless checkout still needs to explain what happened to the money.
The Routing Layer Behind Every “Instant” Transfer
An instant transfer is an outcome supported by a route, a settlement system and careful status handling.
The Real Cost of Moving Money On-Chain
A network fee is only one line in the cost of moving money into, across and out of an on-chain system.
The New Economics of Fraud Prevention
Fraud controls have to account for lost customers and review work, as well as blocked payments.
Revolut and Visa Bring Click to Pay to More Cards
Card-level enrollment aims to reduce checkout typing, but shoppers still need a participating merchant.
Mastercard's BVNK Deal Connects Two Payment Worlds
The proposed acquisition targets the connection between stablecoins and conventional money movement.
Google's UCP Gives AI Shopping a Checkout Language
The new commerce protocol aims to connect shopping agents with merchants without rebuilding every checkout.
KlarnaUSD Starts on Testnet, With Payments in Mind
Klarna's stablecoin announcement is a development milestone, not a public wallet launch.
Instant Euro Payments Put the Recipient Check First
October's euro-area milestone changes transfer expectations, fees and the moment before money leaves an account.