Financial technology: payments, lending, banking infrastructure, wealth management, and crypto rails.
Payment Infrastructure
Core systems processing and routing digital and card payments
The field
At a glance
Definition
Core systems processing and routing digital and card payments
Technologies
Real-time payment rails enable instant settlement. Tokenization replaces card numbers with unique tokens for security. Payment orchestration routes transactions across multiple processors. Stablecoin infrastructure enables programmable, instant settlement. ISO 20022 messaging standard modernizes payment data.
Applications
Real-time payment systems enable instant bank-to-bank transfers. Payment APIs let any application accept card and alternative payments. Cross-border rails settle international transactions in seconds rather than days. Stablecoin infrastructure processes programmable payments 24/7.
Market and funding
The global payment infrastructure market processes trillions in annual transaction volume. Card network revenue (Visa, Mastercard) exceeds $50 billion annually.
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