About The Instant Edge
Modernize. Monetize. De-Risk.
Banks and fintechs are under pressure to modernize payments — but most are stuck in receive-only mode. Instant payments are the low-hanging fruit of modernization, yet few institutions have a clear, de-risked strategy to activate Send and turn it into growth.
The Instant Edge is where senior leaders get the clarity, tools, and confidence to move forward.
Why subscribe?
Most institutions are falling behind. The Instant Edge shows you how to move ahead.
Free Tier → Timely insights on FedNow®, RTP®, stablecoins, APIs, ISO 20022, and more.
Premium Tier → Proprietary frameworks like SAFE to SEND™, monetization playbooks, and board-ready strategy guides that help you align stakeholders, win budget, and capture revenue.
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Instant payments aren’t waiting. Neither should you. Every new post is delivered straight to your inbox — no noise, no ads. For extra features like audio and community, download the Substack app.
Join the crew
You’re not the only one navigating this journey. Join a community of senior leaders tackling the same modernization challenges, and support this work with a subscription.
Why Me?
I’m Marcia Klingensmith, the Payments Maven™—a global strategist known as the Instant Payments Maven™. With 20+ years at Visa, Bank of America, Wells Fargo, and FIS, I’ve helped financial institutions worldwide modernize and monetize payments.
I created SAFE to SEND™, and I host the Instant Payments Decoded webcast. My superpower? Turning complexity into clarity so leaders like you can act with confidence.
Why Now?
Because staying receive-only is no longer a safe middle ground. It’s a liability. Your peers are moving forward, fintechs are competing for your clients, and the window to lead is closing.
Ready to get the edge?
Join me inside The Instant Edge to get ahead — safely, strategically, and profitably.
👉 Subscribe today. Modernize. Monetize. De-Risk.
