<p></p>
<p><a class="user-mention" data-hovercard-type="user" data-hovercard-url="/users/MwithM/hovercard" data-octo-click="hovercard-link-click" data-octo-dimensions="link_type:self" href="https://github.com/MwithM">@MwithM</a></p>
<p>I do not see it as splitting a market.</p>
<p>A trader who has access to both SEPA Instant and SEPA will price their offers accordingly.</p>
<p>For example if a trader values speed of trade they could price SEPA Instant offers below SEPA offers.</p>
<p>For a buyer with both a SEPA account and SEPA Instant account they now have two options. More options > More accessibility > More completed trades.</p>
<p>Theoretically, if all EUR users only used SEPA this would have a negative impact on trading.  It also does not give much redundancy for changes in banking regulation / systems.</p>
<p>SEPA Instant is becoming more common each year. Hopefully, it will not be long before SEPA Instant is fully integrated.</p>

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