Enable customers to send and receive euro payments in seconds, 24/7/365, by integrating SEPA Instant Credit Transfer (SCT Inst). This removes settlement delays and aligns nsave with user expectations for instant wire-like experiences.

Why this matters

• Real-time UX: Funds move to beneficiary in ≤10 seconds, typically ~1–2 seconds, with immediate confirmation.

• Always-on: Available 24/7/365, unlike traditional SEPA cutoffs and weekend delays.

• Competitive parity: Most EU fintechs and major banks are rolling out SCT Inst; EU regulation will mandate instant capability for PSPs offering SEPA credit transfers, with phased timelines.

• Fraud resilience: Request-to-Pay and mandatory IBAN/name check (IBAN-Name Check/Confirmation of Payee) reduce misdirection and social engineering risk, while instant rails can be combined with risk throttles.