Billing brings it up as he introduces the panel. Describes it as a potential "game-changer" for the industry. 14.40 Has the news of Facebook's launch of its own cryptocurrency this morning filtered through to the panel I wonder? Let's find out. 14.30 Tough call for the second session of the afternoon between a panel looking at instant payments and open banking and a Stream 2 take on Big Tech – disruptors of or pace-makers? I'm opting for the latter, moderated by EBA board member Krister Billing. Joining him on the podium are Banco Sabadell's chief innovation officer Alfonso Ayuso, Girts Berzins of Swedbank, Shrey Rastogi from Temenos, and Savings Bank of Cologne director Henry Rehkuh. 14.20 Ripple's Delatinne makes a pitch for banks to use XRP as a bridge currency to make real-time payments with instant settlement, thereby reducing exposure to breaks in the chain.