覆盖13个国家、1.3亿用户的欧洲支付运营商已成立名为“欧洲支付网络”（ENP）的马德里合资公司。
European Payment Providers Form Madrid-Based Joint Venture to Challenge US Card Duopoly European payment operators covering 130 million users across 13 countries have formed a Madrid-based joint venture called the European Network for Payments (ENP).
创始成员包括Bancomat、Bizum、EPI/Wero、SIBS-MB WAY和Vipps MobilePay。
Founding members include Bancomat, Bizum, EPI/Wero, SIBS-MB WAY, and Vipps MobilePay.
该倡议旨在通过即时账户对账户交易互连现有的国内支付轨道，从而直接降低欧洲对美国支付巨头Visa和Mastercard的依赖。
The initiative seeks to interconnect existing domestic payment rails through instant account-to-account transactions, directly reducing Europe's reliance on US payment giants Visa and Mastercard.
推广将分阶段进行，首先启动跨境个人转账，随后扩展至电子商务和线下支付交易。负责人指出，在实现规模效应之前，早期运营成本将由股东承担。
The rollout will proceed in phases, starting with cross-border person-to-person transfers before expanding to e-commerce and point-of-sale transactions. Leaders note that early operational costs will be absorbed by shareholders until scale is achieved.