Our generation is obsessed with instant gratification. While that is not always a good thing, instant money could mean better cash flow management, better control and more liquidity in the economy - fostering growth and prosperity. According to industry reports, the volume of instant payment transactions is set to triple by 2028. But are we ready to actually provide instant payments? Fraud, security, regulatory caution and lessons from the other roll-outs (such as in the UK) will help lay a strong foundation for fintechs in Asia Pacific.