档案库 · 金融科技 · 战略决策 · 2024–2026
Token.io押注欧盟即时支付规则将使Pay by Bank成为欧洲默认轨道
欧盟强制要求即时SEPA转账；Token.io的开放银行'Pay by Bank'技术栈现已成为市场领先基础设施。
Token.io
做的是什么生意
Sells 'Pay by Bank' infrastructure: APIs that connect merchants and payment service providers to open-banking and instant-payment rails, so customers pay straight from a bank account instead of by card.
起因
Token.io built open-banking payment initiation APIs under Europe's PSD2 framework: a merchant could take payment straight from the customer's bank with immediate confirmation. The product's bet was that bank rails would displace cards once they were fast, verifiable and cheap.
经过
The EU's Instant Payments Regulation (Regulation (EU) 2024/886) then turned that bet into a mandate: euro-area payment service providers must offer instant SEPA credit transfers (processing within 10 seconds, 24/7), and the rules also opened central-bank payment systems like TARGET to non-bank financial institutions. Every bank and PSP Europe-wide suddenly needed instant, API-accessible rails — Token's existing open-banking stack. By June 2026 Token.io announced the next growth phase, hiring Gil Danziger (co-founder and former CTO of B2B payments fintech Mondu) as CTO and managing director of its German arm to run the engineering organisation.
结果
Still live and scaling; positioned as the UK and Europe's leading Pay by Bank infrastructure provider as of June 2026.
背景
欧洲支付市场以卡为基础，但2024年的一项法律瞄准了替代方案：欧盟的即时支付条例要求欧元区支付服务提供商提供即时SEPA转账，并允许非银行进入结算。自2025年10月起，银行必须按标准价格发送和接收即时转账。
Token.io在PSD2时代构建了用于Pay by Bank的开放银行API。当该条例落地时，其技术栈成为快速合规的路径。到2026年6月，它已成为'英国和欧洲领先的Pay by Bank基础设施提供商'，并聘请Mondu联合创始人担任首席技术官。
强制推行六个月后，该押注获得验证：开放银行轨道成为核心基础设施，Token.io在法律创造的类别中占据市场领先地位。
这件事要成立，得有什么
- 该条例使即时SEPA转账成为强制要求，因此升级轨道不再是选择；购买API比重新构建更便宜。
- Token的产品从第一天起就为监管而建，因此新要求复用了其现有技术栈。
- 先发定位吸引合作伙伴和人才，巩固领先优势。
可借鉴之处
找到一条要求行业购买技术的法规，然后构建合规轨道：强制要求将可选项变为采购项。
后续进展
截至2026年9月，该条例的强制要求已生效：欧元区支付服务提供商必须提供即时SEPA信用转账，Token.io正在执行扩大规模阶段——新任首席技术官和德国分部董事总经理、扩大工程团队，并继续定位为英国和欧洲的参考Pay by Bank基础设施。卡网络仍处理欧洲大部分结账量，因此公司押注未来数年，监管推动即时账户对账户支付将对结账产生与后台相同的影响。
资料来源
- Regulation (EU) 2024/886 — instant credit transfers in euro
- Token.io hires Gil Danziger as chief technology officer and MD of Token GmbH
- Instant payment
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