How would this be different than me getting a TransferWise account and getting access to global instant payment rails they plug into (UPI [India], Pix [Brazil], SEPA [Europe], etc)?
International instant payment network map: https://www.pymnts.com/wp-content/uploads/2025/05/PYMNTS-Rea...
Faster and safer instant euro payments become a reality - https://news.ycombinator.com/item?id=45532280 - October 2025
[US] FedNow Is Live - https://news.ycombinator.com/item?id=36801491 - July 2023
Venmo and Paypal users will also send money to each other now using an alias starting in November 2025.
Venmo and PayPal users will be able to send money to each other - https://news.ycombinator.com/item?id=45427088 - September 2025
Maybe I'm missing the value prop?
> International instant payment network map
that's an interesting map, thank you for sharing it, but oh my it'd be easier to read if they'd decided to use more colours beyond two slightly different shades of green to encode "has instant payments" and "does not have instant payments".
FedNow is extremely exciting, as is the development of local instant payment networks and I’m hoping they can eclipse card networks soon. Development in the US hasn’t been as fast as in other emerging markets though wrt their own networks
As for Venmo/Paypal interoperability across other fintechs is something they’re not supporting at the moment for instance I can’t send money to my friend who uses CashApp and have to use Zelle (so ultimately Zelle/banks win). But that being said they do have a large user base between their two platforms.
Paylias is more closer to the links you shared around instant payment systems, than Wise. In an ideal world, Wise would integrate Paylias’s APIs and issue you an alias that you could use to send/receive/pay money to a friend that uses another wallet.