Retail payment rails refer to the underlying infrastructure and systems that facilitate everyday financial transactions for individual consumers and small businesses. These include credit card networks, debit card systems, and instant payment schemes. In the digital asset sphere, it relates to the integration of cryptocurrencies and stablecoins into these existing or new consumer-facing payment channels. The objective is to make digital assets usable for routine purchases.
Context
The integration of digital assets into retail payment rails is a key area of development for increasing cryptocurrency adoption beyond investment. Projects are focusing on solutions that enable fast, low-cost, and user-friendly transactions at points of sale. Regulatory clarity and consumer protection measures are central to building trust and facilitating the widespread use of digital currencies in retail settings.
The consortium's EUR-bank project establishes a shared DLT infrastructure to unify fragmented national payment rails, enhancing capital efficiency and cross-border settlement.
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