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With the implementation of the Instant Payments Regulation (IPR) on 9 October 2025 payment processing across the Eurozone has entered a new phase marked by faster and more accessible real-time euro transactions, both domestically and across borders. IPR regulation was adopted in March 2024, aiming to increase the uptake of SEPA Instant Payments across the European Union (EU) and unlock its benefits. For corporate treasurers, this evolution brings both opportunities and challenges, prompting a need for strategic and operational alignment.
Is your Treasury ready for Instant Payments Regulation?
Today’s global landscape is especially dynamic. From China’s emerging consumer market to India’s new trade agreements, European firms have a chance to capitalise on sectors that are aligning across continents. ING’s Chief Economists Lynn Song and Deepali Bhargava share their insights on the sectors and strategies that could shape Europe’s advantage.
Europe’s window of opportunity in Asia
Starting in 2026, iDEAL will begin its transition to Wero - a new European payment solution developed by the European Payments Initiative (EPI). Backed by 16 leading banks, including ING, Rabobank, and ABN AMRO, Wero builds on iDEAL’s trusted foundation and introduces new features for both merchants and consumers.
From iDEAL to Wero
ING, Banca Sella, KBC, Danske Bank, DekaBank, UniCredit, SEB, CaixaBank and Raiffeisen Bank International – have joined forces to launch a MiCAR-compliant euro-denominated stablecoin. This digital payment instrument, leveraging blockchain technology, aims to become a trusted European payment standard in the digital ecosystem.
Nine major European banks join forces to issue stablecoin
