The future of payments lies in openness and inclusivity. Traditional real-time payment infrastructures are often bank-dependent, limiting access and slowing adoption. However, pioneering models like India’s UPI and Brazil’s PIX have revolutionized digital transactions by enabling non-bank entities to participate, driving financial inclusion and economic expansion. This white paper explores how third-generation real-time payment systems enhance accessibility, empower small businesses, reduce transaction costs, and fuel innovation through fintech collaborations. Discover how open payment ecosystems accelerate financial transparency, strengthen liquidity, and pave the way for seamless cross-border transactions.Download the full white paper to uncover why open payments are shaping the global economy—and how your organization can be part of this transformation.