Most professionals still confuse RTP with RTGS — or struggle to explain instant payments to clients and leadership. This guide fixes that. Covers: RTP vs RTGS comparison, 8 global systems (FedNow, PIX, SEPA Instant, SPEI), LATAM deep dive (Colombia, Peru, Mexico, Brazil), use cases by segment, 10 common mistakes, glossary, readiness checklist, and 10 AI prompts. Works with ChatGPT or Claude.