# Realtime Payments Innovation: BBVA Connects to Dwolla's FiSync

By [Continuations](https://continuations.com) · 2014-10-30

payment, dwolla, bbva, fisync, realtime

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A lot of technology gets built through layering new systems on top of old ones to the point where some stacks look like an archeological dig at [Troy](https://en.wikipedia.org/wiki/Troy). There is nothing wrong with that approach per se, except that over time some of the lower layers become a constraint on what can be done above them. A classic example of that has been operating systems. Sometimes they have to be revised, for instance to account for the move from 32-bit to 64-bit architectures. Sometimes they have to be replaced altogether as in the case of Apple’s [Mac OS](https://en.wikipedia.org/wiki/Mac_OS).

I am excited that today our portfolio company [Dwolla](http://www.dwolla.com) has taken an important step forward in helping modernize the payments stack. They have just announced [the integration of FiSync with BBVA](http://blog.dwolla.com/dwolla-and-bbva/). [FiSync is realtime financial interconnect layer](https://www.dwolla.com/fisync) that offers an alternative to the aging batch oriented ACH system. [BBVA](http://www.bbva.com/) integrating is important because they are the first large bank to do so. That is an important start down a path to realtime that [the Federal Reserve has been calling for](http://qz.com/289368/a-new-partnership-is-beating-the-fed-to-real-time-payments/).

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*Originally published on [Continuations](https://continuations.com/realtime-payments-innovation-bbva-connects-to-dwollas-fisync)*