Our vision is for a universal global payments system that 'plugs and play'. One that serves many use cases and focuses on customers and merchants alike, providing instant, always-on payments with a wide range of features. This new system focuses on customer protection, unlocking the next generation of business models to fuel the digital economy's growth. Payments connect consumption with production and are the fuel to power all economies including the digital economy of the Fourth Industrial Revolution. Decentralised, ubiquitous, standardised, real-time, 24/7 payments, of any size, open to everyone and free of crime, surveillance and restrictions are within reach. Our mission is to make them happen.