The original use case for instant payments had an anniversary last week.

It was March 17, 2016 when Uber launched its beta version of Instant Pay, a push-to-card solution that gave its drivers the option to get paid instantly after a ride was completed. The product – and its announcement – laid the foundation for a wave of push-to-card solutions that leveraged the digital relationships gig workers had with those digital platforms.

It would take another three years before the next wave of instant pay use cases would emerge, this time with a different focus and increasingly different challenges.

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