Why are instant payments the future?. Check out what our CEO, Fernando has to say at #4YFN24. @4YFN_MWC

Here we are, one step closer to the goal :) Who wants the IBAN issued by Devengo number #2? (#1 is ours, of course :) ) #DEVNESM2

We have only found a Tweet on @caixabank's shortage before with informed our customers. And that's only because we need to confirm and write the notice #proudofus .

RT @ProgramaDesafia: Devengo is automating instant payments in Europe. Interviewing Fernando Cabello-Astolfi, Co-Founder and CEO of Devengo….

- Knock knock.- Who is there?.- Your company's devengo account in @holded_ES . Synchronize and settle your transactions automatically with our new integration.

RT @ravilsan: El viernes pasamos un buen rato algunos compis de @devengoapi viendo y comentando la keynote del señor @dhh en la @railsworld….

RT @ecb: Tune in from 10:00 CET to watch the live focus session on our work to design the digital euro for the European payments market. 🔗….

We are going to be next week in #Munich attending @SeamlessEU. Drop us a DM if you want to talk about the present or future of #payments!

You can see the result here: . It's up-to-date, it's accurate and it looks great, don't you think? . What is your approach, any suggestion?.

And once that you understand what we try to build, here the details: including how we use Dredd for testing our own documentation.

First, the way we have an approach the problem: . The main idea is that we have a mix of static and dynamics part, that are processed in our build process and generate the final version that will be published.

If you are building an API, your documentation is one of your more important assets. Your users relay on it so keeping it accurate and up-to-date is vital. In Devengo we have invested a lot of time on it, here you have our lessons learnt . 👇 🧵.

@Iberpay Bonus point: if you still don't know how automating payments can help your startup, read some ideas here:

@Iberpay That's it, I hope it has help. We have a great time ahead and we will be happy to be there for you. If you want to gives us a try go to and create an account in our sandbox.

@Iberpay But if we talk about instant payments security, the most relevant part is the TMS (Transaction Monitoring System) which scans every transaction and decides if it's legit. . The TMS is your safeguard, so you have to define a good set of rules.

@Iberpay And probably the last thing you need to think about is how to avoid fraud and other security problems. System and communication security is "easy", or at least the whole internet have been working on it for a long time.

@Iberpay It sounds great. But instant payments mean 24x7. A lot of systems need to be online at the same time. Only the EU has more that four thousands banking institutions, and there are a few ACH between them too. So, be prepared for some common technical errors:

@Iberpay In the previous article you have read a couple of times the word AML: Anti Money Laundering. This is a key concept that is going to create you a few headaches. Some of your payments are going to get stalled because of it. So learn about it:

@Iberpay But instant payments are tricky, so here a list of lectures if you are thinking on integrating them into your business process. First, how they work, who is who and understand when and how you or your customers are going to receive the money:

If you want to read more, here is a great summary from @iberpay, who is in our opinion the most advanced ACH in everything related to instant payments in the EU.

First, what can we really expect on January 9th. First, that this deadline is only for accepting them. Deadline for issuing them is in October 2025. And second, that the regulation says "in same conditions" that regular transfers , it doesn't mean free or without limits.