Giving customers access to their accounts through third parties has become an important initiative of many countries, most recently Brazil and the United Arab Emirates. Regulators see this as a way of allowing competition between fintechs and incumbent banks. While the details and the goals may vary, there are common features across the different programs. Coupled with the development of immediate payments, it offers consumers and businesses a new way to take control of their money. What are the core components, and what does it mean for banking and payments and financial crime?