Instant Payments Fraud Architecture: Real-Time Risk Scoring at Rail Speed
Designing fraud and risk controls for irrevocable instant payments (FedNow, RTP, SEPA Instant): latency budgets, scoring pipelines, confirmation of payee.
Verification of Payee (VoP): Architecture for EU Instant Payments (2026)
Verification of Payee explained: the EPC VoP scheme under the EU Instant Payments Regulation - IBAN-name matching, the SRTP/API flow, traffic-light results, fuzzy matching and failure modes for APP fraud in 2026.