SEPA Instant for non-EU residents: what changes in 2026

The EU Instant Payments Regulation requires every euro-area bank and EMI, from 2025, to offer SEPA Instant at the same price as a standard transfer. In 2026 this changes the game for non-EU clients too.

What is SEPA Instant?

A EUR transfer that settles in under 10 seconds, 24/7, up to EUR 100,000 per transaction, between accounts in the SEPA area.

Why it matters if you live in Bolivia

Through a licensed European EMI a Bolivian client can hold their own IBAN and use SEPA Instant for European suppliers, Asian counterparties via correspondents, or family members in the EU, without waiting 1 to 3 business days.

How we do it

Our infrastructure combines 1 Payment Institution and 2 owned EMIs with native crypto on and off ramp. Detail on European banking.

Availability

Pilot clients onboard in Q2 2026, general availability in Q3 and Q4 2026. Join the waitlist.