zero delay economy

Time is the new currency

$171 billion1 is lost every year in the US alone due to legacy payment infrastructure. A single 3-day transfer means 259,200 seconds when money could be in use.

THE CHALLENGE

Delay has a measurable cost

From lost conversions, through frozen capital, to days-long settlement – delay destroys value at every level of the economy.

7%

conversion lost per one-second delay in page load2

$3.4T

working capital immobilised by settlement delays in the U.S. financial system3

3 days

average settlement time in traditional payment systems

1US opportunity cost $171B, source — Beriker 2025, 2Conversion per 1s — -7%, source — Akamai, 3US frozen capital — $3.4T, source — Beriker 2025

the SYSTEM shift

Instant became the standard

Over two decades, acceptable wait times collapsed. As services became immediately accessible, expectations follow.

Then

Now

Then

Taxi

30 min

Now

Car on demand

3 min

Then

Video Rental Store

2 days

Now

Stream

0 sec

Then

Transfer

3 days

Real-time payment systems significantly impact the economy

$164B

added to global GDP by real-time payments4

$286B

projection for 20285

131B

transactions/year in India, half of global volume6

75%

adoption in Brazil within four years, overtaking cash7

1.2%

share of Poland’s GDP from a single payment system8

4GDP impact 2023 — $164B, source — Cebr/ACI 2024, 5GDP impact 2028 — $285.8B, source — Cebr/ACI 2024, 6India transactions — 131B, source — NPCI FY23-24, 7Brazil penetration — 75%, source — BCB 2024, 8Poland GDP contribution — 1.2%, source — EY 2025

Time has become the new currency of economic value. Every second of delay costs measurable conversion, revenue, and customer lifetime value.

Zero Delay is not only about speed.

It’s giving time back.

autopay solutions

See how we do it at Autopay

Autopay Group powers the Zero Delay Economy through a purpose-built architecture that turns complexity into speed.

our infrastructure

Seven paths to zero delay. One infrastructure.

Each represents a proven journey from local success to global scale — eliminating an individual type of delay that slows human life.

the zero delay impact

Eliminates store visits and SIM activation wait. From landing to online in seconds.

From mass mobile top-ups integrated with online banking systems in a single country, to the global distribution of eSIMs - fully integrated with mobile banking apps through a revenue sharing partnership model.

the zero delay impact

Eliminates monthly bill management friction. Set once, forget forever. The fastest payment is the one you never make.

From low-risk, long-term revenue-sharing partnerships for bill and utility payments, to expansion into selected international markets based on similar cooperation models with local providers.

the zero delay impact

Eliminates 1-3 day settlement delays. Money at message speed - in milliseconds, no business days.

From domestic instant transfers licensed by the central bank (BlueCash), to the European SEPA system, to the full integration of stablecoins and digital currencies on a global scale. Autopay provides the infrastructure ("rails") for banks and global companies operating in the digital assets market, using a revenue-sharing model.

the zero delay impact

Eliminates stopping at toll gates. The car pays, you drive. The best gate is the one that isn't there.

From automatic motorway toll payments to a comprehensive range of in-car payments, integrated, for example, with e-vignette purchases in premium vehicles (such as Mercedes). The goal is to create a universal in-car payment standard accessible across various car brands for a full range of services (fuel, parking, charging, additional services) - all based on partnership models.

the zero delay impact

Eliminates wallet/phone/PIN friction. You are the credential. Under a second, no device needed. Your hand is your payment, ticket, and key.

From the digital world to physical retail terminals and ticket machines via HandGo terminals based on palm authorisation. The solution uses independent local instant Account-to-Account transfer systems implemented in cooperation with local partners and infrastructure operators.

the zero delay impact

Eliminates cross-border delays and correspondent bank fees. Orchestrator finds the optimal rail for each transaction. Borders are on maps, not in money.

From a European company with a payment licence to a holding group of locally licensed entities connected to independent national A2A systems, with Payment Facilitator and Payment Orchestrator capabilities. This network of licences ensures partners remain independent from single providers while optimising costs and effectively managing regulatory and operational risk.

the zero delay impact

Eliminates clicking, scrolling, searching. Intent is enough - say what you want, seconds, zero clicks.

From automatic road payments for over 3 million drivers in Europe to a fully-fledged e-wallet following the acquisition of an EMI licence for Europe. The app serves as a testing platform for global markets, with partnerships reaching 30 million users and support for voice-based shopping and payments via the VoiceGo agent.

HANDGO — BIOMETRIC PAYMENT SOLUTION

Your hand is your payment

Under 1 second. No phone. No wallet. No PIN.

100% contactless

Real-time approvals

High-grade biometric security

Learn more about HandGo

Watch

AUTOPAY IN NUMBERS

Already used at scale

 

15M

users per month

 

50K

merchants and partners

 

3M

drivers across Europe

Learn more about Autopay

See how zero-delay infrastructure can support your business or investment goals.

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