Insights
Analysis of alternative payments: instant account-to-account schemes, open banking, and the architecture underneath them.
27 JUL 2026 · 10 MIN READ
4 SOURCES
The EPI blinked on Wero’s disputes model, moving the “when,” not the “who,” that carries the risk
Wero’s merchant milestones are real, and the disputes model is the sticking point. July’s concession moved the dates, and the harder compromise is still to be designed.
06 JUL 2026 · 7 MIN READ
5 SOURCES
Open banking payments finally have a price. That was the hard part.
UKPI’s June launch is the trial, and January’s FCA and PSR pricing forbearance was the unlock. A scheme-set access fee is what turns compliance-grade rails into commercial-grade ones.
05 JUL 2026 · 9 MIN READ
6 SOURCES
PART 2 OF 2
Under Wero, a mature payouts capability deepens the moat already there
A scheme that never touches the money also cannot reverse a payment, which moves the contest to the return leg and to whoever can already run it.
05 JUL 2026 · 6 MIN READ
3 SOURCES
PART 1 OF 2
Wero is the scheme that never touches the money
The EPI keeps the rulebook, the brand and the dispute layer for Wero, and hands settlement entirely to SEPA Instant and TIPS.
18 JUN 2026 · 8 MIN READ
7 SOURCES
The last mile is a habit, not a network
Wero has built the network, and the path into everyday habit is the part it still has to earn. Pix, UPI and iDEAL show what manufactures it.
Nothing matches . Try a scheme name, a market, or a term like settlement or disputes.