When money moves instantly, trust must too.

Protect trust at national scale.

PIX shows what wide adoption can achieve. The Brazil decks focus on the difficulty of recovering funds after a socially engineered instant transfer and argue for a preventive control ahead of execution.

• Start with a read-only observability pilot to measure behavioural signals and false positives.
• Introduce risk-based challenges, recipient checks and velocity controls for selected high-risk flows.
• Give participating institutions and oversight bodies a view of cross-network patterns without replacing PIX infrastructure.
• Sequence engagement from fraud-exposed digital sectors and banks to a tier-one pilot, then consider system-level observability and infrastructure distribution.
• Extend the design to programmable and cross-border payment use cases only after local governance and technical validation.

Build resilience as adoption grows.

The Ethiopia briefing frames pre-payment protection as a way to support the National Digital Payments Strategy’s trusted ecosystem objective while preserving interoperability among banks and wallets.

• Place an institution-neutral risk decision upstream of settlement, with governance agreed with EthSwitch and local participants.
• Use common fraud categories and reporting so supervisors can compare patterns across providers.
• Design for low-friction payments and clear consumer recourse, including users with limited digital experience.
• Pilot in stages: observe, validate outcomes, then activate proportionate controls.

Apply the same lesson to UPI’s enormous reach.

India is discussed as a comparator in the general, Brazil and Ethiopia material. The common issue is a legitimate user being induced to authorise the wrong payment, often through deceptive requests, phishing or impersonation.

• Show the recipient and amount clearly before final approval and challenge suspicious changes of payee.
• Use behavioural signals and cross-provider fraud intelligence, subject to India’s scheme rules and data protection requirements.
• Test controls against real customer journeys so stronger protection does not impede routine UPI use.
• Define the local banking or PSP partner, pilot scope and approval route before making any integration claim.

A standalone India instant-payments deck was not present in the located Drive collection. This section synthesises the India references in the comparative presentations and is a proposed application.

Strengthen security and the business case together.

The PayShap proposal combines risk-based protection across proxy, account-to-account and QR payments with a FORUS economic model intended to remove per-transaction cost as a barrier to mass use.

• Verify merchants and payment requests; flag substituted QR codes and unusual recipient changes.
• Apply risk scoring and step-up authentication consistently across payment channels.
• Explore merchant acceptance and immediate settlement use cases such as the proposed WOW Pay taxi network.
• Test membership, optional services, commerce and promotion revenue against the costs of a low-fee core rail.