国际清算银行：快速支付的定价：实践和理论概述报告（英文版）

Fast payments are at the forefront of payments digitalisation globally. By enabling immediate availability of funds on a 24/7 basis, they offer the potential to enhance efficiency, promote financial inclusion, drive innovation and foster competition. Despite their growing adoption, key questions remain regarding the design of fast payments systems (FPS), particularly concerning pricing. Open issues around pricing of fast payments exist at three levels: between the FPS owner and participants (