In the US, sending money can already be as easy as sending a text. The next question is whether it can be safe, instant and free everywhere. Rodney Robinson, CEO and Co-Founder of TabaPay, sits down with JD Durkin at Money 20/20 USA in Las Vegas to explain how his company, whose name stands for “there and back again” payments, helps fintechs, lenders and banks move money instantly, about 90 million times and $9 billion a month. Robinson shares why speed brings fraud, why the company’s biggest early lesson was investing in risk management sooner, and why payments sit at the intersection of technology, banking and compliance. He also discusses TabaPay’s plan to buy a bank and become a vertically integrated payment processor, and where he sees the next breakthrough: moving from merchants pulling money at risk and cost to pushing it instantly with no risk and no cost.