Interoperability X border Client Experience Transparency Speed Accurate Developer friendly Security Alias credentials Wallet connectivity SWIFT conversion API File capabilities Data insights and analytics Fraud prevention Operational Efficiency Onoboarding excellence Minimal red tape Compliance RTP network Direct to Scheme beneficiary Liquidity management Competitive FX Regulatory adherence Licensing Delivery agility Transaction Uptime Support Enablers Credential agnostic (card/ account / wallets) Alternative payment types Non-Proprietary rails User experience