Instant Payments Infrastructure: EU Regulatory Deadline

Instant Payments Infrastructure: EU Regulatory Deadline** EU Instant Payments Regulation has mandatory timelines: October 2025 for eurozone banks to send instant payments. Instant payment volume forecast to grow from $22T (2024) to $58T (2028). Institutions must conduct fraud scoring in under one second. **Evidence:** - EU deadline: October 2025 for eurozone send capability - Transaction volume: $22T → $58T by 2028 (161% growth) - Sub-second fraud decisioning required - Regulatory cost parity: instant payments priced same as SEPA **Strategic Recommendation:** - End Q1 2026: Infrastructure readiness audit - Allocate $3-5M for fraud decisioning overhaul - Production launch Q3 2026 ***