Speed is only one part of payment quality A payment can move quickly while leaving the merchant uncertain about its purpose, finality or reconciliation. For fintech businesses serving BRICS trade, the useful opportunity may be a clearer transaction lifecycle rather than another payment button. Merchants need to match receipts to orders, handle refunds, understand fees and resolve exceptions. Finance teams need an audit trail that survives partial payments, currency conversion and changes to customer details. The BIS's 2025 analysis explores tokenisation and programmable financial infrastructure while emphasizing the foundations of trust in money. BIS monetary-system analysis. That is a policy and technology discussion, not evidence that any particular cross-border service is available or…