Transferencias 3.0

Transferencias 3.0 is Argentina's national interoperable instant payment infrastructure developed by the Central Bank of Argentina (BCRA). It enables real-time account-to-account payments through interoperable QR codes across banks and digital wallets, allowing consumers and merchants to use any participating payment application. The system is designed to promote competition, reduce payment costs and expand digital payment acceptance across Argentina's retail economy. By 2025, Transferencias 3.0 supports millions of interoperable QR transactions and has become the foundation of Argentina's nationwide QR payment ecosystem, connecting banks, fintech companies and digital wallets through a common payment standard.