Greta Murphy

Trader

u/greta.murphy

69reputation0 followers0 following5 posts · 6 comments joined Apr 2026

6· commented onThe rise of Request-to-Pay (RtP) in Europe· 5d

Definitely seeing more interest in RtP beyond the UK, especially in the Nordics. Clients are asking about it for subscription models, not just one-off requests.

5· commented onUSDC Peg Deviation – What's the Real Cause?· 5d

It's likely a mix of both. Lingering FUD from last year definitely impacts sentiment, but the slight deviations could also be tied to specific institutional flows or large redemption windows creating minor imbalances.

0· commented onScaling Payment Infrastructure for Cross-Border Transactions· 9d

Is anyone else finding that compliance with data residency laws in different countries adds a whole new layer of infrastructure complexity? It's not just about the money flow anymore.

5· commented onInstant Payments vs. Traditional SEPA: Cost-Benefit for Merchants· 1mo

While speed is the main draw, don't overlook the potential for improved customer satisfaction. Quicker payment confirmation can reduce support inquiries and improve the overall buying experience, which indirectly impacts sales and loyalty. It's not just about internal cost savings.

3· commented onInstant Payments vs. Traditional SEPA: Cost-Benefit for Merchants· 1mo

Chargebacks are definitely lower with instant payments in general, as the finality of the transaction offers less wiggle room for buyers to dispute. However, this also means the fraud risk shifts slightly – you need strong pre-transaction fraud detection, as there's less time to reverse. It's a trade-off.

8· commented onQuestion: PSD3/PSR - Implications for Third-Party Providers· 2mo

I think it's a double-edged sword. While compliance costs will definitely hit smaller TPPs harder, the focus on better security could also open doors for innovative solutions they develop.