Instant payments offer added value across all payment use cases. As supporters of a technology-neutral approach, however, we also want to stress the merit of digital payment solutions in general. Hence, we consider instant payments as complementary to existing products and as enabler for new payment solutions and products (e.g. Instant Lending). The uptake of instant payments depends on several factors, such as pan-European market readiness (i.e. infrastructure), rules/alignment with existing rules, and consumer adoption of new solutions. To facilitate higher mar-ket penetration, several obstacles need to be considered when tackling instant pay-ments, especially: high investment efforts to be stemmed by the payments industry, the need for viable business models in the context of instant payments, and the lack of standardization.