与印度自由UPI不同的是,美国金融技术公司由于银行系统缓慢而从即时转帐费中获利。 U.S. fintechs profit from instant transfer fees due to slow banking systems, unlike India’s free UPI.

Zerodha 联合创始人 Nithin Kamath 表示，由于美国银行系统缺乏实时支付，Robinhood 预计每年将从即时提款费用中赚取 1.5 亿美元，扣除成本后净赚约 1 亿美元。 Zerodha co-founder Nithin Kamath said Robinhood is projected to earn $150 million annually from instant withdrawal fees, netting about $100 million after costs, due to the U.S. banking system’s lack of real-time payments. 他将这一点与印度的UPI(UPI)形成对比,后者使得印度的金融技术公司难以将附加服务货币化,尽管其商业模式类似。 He contrasted this with India’s UPI, which enables free instant transfers, making it difficult for Indian fintechs to monetize add-on services despite similar business models. Kamath强调一个关键的结构性差异:美国用户按速度付费,而印度消费者则抵制为这些特征付费,强调这两个市场之间在货币化潜力方面存在更大的差距。 Kamath highlighted a key structural difference: U.S. users pay for speed, while Indian consumers resist paying for such features, underscoring a broader gap in monetization potential between the two markets.