Revolut Hits $75B and Europe Bets on Instant Payments

Fintech is evolving from bold experiments to billion-dollar realities. In this episode, hosts Igor Tomych and Dumitru Condrea dissect the news shaking up the industry: Revolut’s $75 billion valuation and the roll-out of EPI Wero, a Europe-wide instant payments scheme.

Revolut Valuation: Lessons From a Super App #

Revolut’s journey is more than just a valuation headline. It represents the shift from niche travel card to full digital bank with global ambitions.

• The Revolut license opened doors to broader financial services.
• Its growth rivals the biggest moments in fintech, echoing Visa’s historic IPO.
• Investors are watching closely as Klarna IPO preparation adds fuel to the fintech valuation race.

For startups, Revolut’s story proves that with the right mix of fintech compliance, customer trust, and expansion, scaling to tens of billions is possible.

The European Payments Initiative (EPI Wero) #

Europe’s payments system is entering a new era. EPI Wero aims to create a unified, independent network for consumers and merchants across the EU.

• SEPA instant enables near real-time settlement.
• Settlement T+1 accelerates reconciliation for merchants.
• Integration with local wallets strengthens regional adoption.
• It’s a direct response to reliance on Visa and Mastercard, aligning with broader payments compliance goals.

This initiative positions Europe as a hub for payment innovation, parallel to the U.S. with FedNow.

Beyond Payments: What’s Next #

The conversation goes further, linking today’s news to tomorrow’s trends:

• AI shopping and agentic commerce redefining checkout experiences.
• Crypto fintech integration in mainstream apps.
• The role of personal finance apps in managing wealth, subscriptions, and digital identity.
• Eastern Europe’s leadership in fintech banks and challenger models, from the Monobank case to Mercury bank for SMEs.

Why This Episode Matters #

The future of fintech is not about single features—it’s about ecosystems. Revolut’s valuation and EPI Wero’s launch mark two milestones in how finance is rebundling into global, compliant, and customer-first models.

Tune in to Episode 123 to understand how European payments and digital banks are setting the stage for the next decade of innovation.