Brian Dammeir

speaker

205 appearances 1 recordings 1 series first heard Mar 2026 last heard 12 Mar

Brian Dammeir’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Mar 2026 with 1.

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Off the Rails from the U.S. Faster Payments Council - FPC · 12 March 2026 Brian Dammeir of Plaid on Open Banking, Standards, Fraud/Risk, Pyramids, and the Oscars · 12 Mar 2026 podcast

We have capabilities like our Protect product, for example, and our Signal products that do things like that.

So, yeah, to your question, right, like creating great experiences is about trust.

And at the end of the day, that's about the user experience you give to the consumer and then the data that's flowing through to help everybody make better risk decisions.

Yeah, absolutely.

And here is where I think we need to ask, what do we mean by faster payments, right?

First and foremost, let's be clear, right?

There are many hundreds of our customers and outside of our customers, thousands that are using real-time payments in particular for disbursements.

But what we've been focused a lot on is the continued development of real-time pay-ins, right?

Primarily via requests for payment RFP, right?

One of the examples is Carvana, for example.

And, you know, the main use case that we're seeing there is primarily for account funding.

right and like you rattled off a couple examples like one is you are paying for a down payment for a vehicle right uh the other is that you are loading funds onto a trading platform these are both variations on an account funding flows as we would define it and

there's really two universes, right?

There's the old universe where you're going to use traditional bank-based payments like ACH or something like that.

And generally, you're going to have to wait for funds to clear before you can render services.

And in this case, before you can allow the user to start trading with funds.

And the other, it's literally delivering a car.

But the utility of real-time pay-ins powered by RFP, which transfer offers to these sorts of customers,

is that they can render those services immediately, right?

So this really brings us from that poll-based world where you need to wait for funds to clear, and then there's various windows around it, to, I mean, to a certain extent, the dream of where we're all trying to go, which is push-based irrevocable payments.

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