Colombia's instant payment system is Latin America's fastest-adopting ever — 36 million users in a year

One year after launch, Colombia's instant-payment system Bre-B is the fastest-adopting in Latin American history: 83% of adults use it, 36 million people are active, it processes more than 8 million transactions a day, and it has already moved nearly $80 billion. In a country where only 24% of adults hold a credit card, a free phone-based payment rail is quietly pulling millions into the financial system. Inclusion, at the speed of a text message.