Cross-border payments have been banking's most profitable inefficiency—generating billions for banks precisely because they're slow, expensive, and opaque: taking days, costing 6-7% in fees, with zero customer visibility. That's ending. Real-time networks are connecting across countries, stablecoins are bypassing traditional banking, and new standards are forcing transparency. Banks moving $150 trillion annually face fintechs offering instant settlement at a fraction of the cost. Yet compliance remains complex at real-time speeds. This session examines how instant cross-border payments work, where stablecoins fit, how to maintain compliance at settlement speed, and whether traditional correspondent banking survives.