The New Payment Standard Built for Machines, Not People—And That's the Problem

⚡ Key Takeaways

• The new payment standard optimizes for machine-speed transactions, not human oversight—a fundamental shift from how digital payments have traditionally worked 𝕏
• Faster settlement benefits banks and payment processors, but creates new liability and fraud risks that cascade back to consumers without clear recourse 𝕏
• The shift mirrors pre-2008 financial engineering: trading human understanding and accountability for machine velocity is seductive but historically dangerous 𝕏