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Blink (BISERA6)

Hybrid

Bulgaria's instant payment system operated by BORICA AD via the Blink program (24/7/365, since April 2021). Following Bulgaria's euro adoption on 1 January 2026, BISERA6-BGN clearing ceased and Blink now processes EUR instant payments via TIPS under the SCT Inst scheme. Uses prepaid settlement model.

NowHours: computing from the published schedule…Service condition: not monitored details

ClearingPost does not assess whether Blink (BISERA6) is running normally.

Next

Dated items ClearingPost holds, each with its source and whether the date is confirmed

No supported upcoming items in ClearingPost's records for Blink (BISERA6).

ClearingPost holds sourced upcoming items for 10 of 150 systems; an empty list is a statement about ClearingPost's records, not about a system's plans.

Changed

Material, sourced changes ClearingPost recorded; corrections to its own record are labelled as such

No substantive change recorded for Blink (BISERA6) in ClearingPost's change records.

The full activity log for this system, including context notes, is on the Changes page.

Sources ClearingPost reads BORICA AD · Authoritative (T1) · 13 of 17 fields carry a source and a recorded date · latest sourced entry recorded 16 Apr 2026 · evidence details ↓

Record · Blink (BISERA6)

Country
Bulgaria (BG)
Currency
Euro (EUR)
Operator
BORICA AD / BNB
Type
Hybrid
Operating Window
24/7/365
Year Established
2021
Tier?
Tier 2
ISO 20022?
Native
Region
Europe
Settlement Type?
Hybrid
Participants
32 PSPs (receiving), 23 (sending); 90% of bank accounts reachable
Avg Daily Transactions
~62,000 (instant, 2024)
Avg Daily Value
~BGN 101M (instant, 2024)
Availability
24/7/365 (instant) / Business days (bulk)
Notes

Blink is Bulgaria's domestic instant payment program within BISERA6 - 24/7 BGN instant transfers. Instant payments reached 20.36% of all BGN transfers by end 2024. 925,000+ blink P2P subscribers (1.3M+ expected 2025). 1.27M P2P TX processed in 2024. Connected to TIPS (Dec 2024) for instant EUR cross-border. BORICA AD also operates the national card switch. Settlement via RINGS (RTGS).

BORICA AD / BNB official website →
Reference Sources
BORICA AD
Authoritative (T1)Entry recorded Mar 12, 2026
Status →
See all Hybrid systems →See all systems in Bulgaria →ISO 20022 migration status →Payment rails by country →
Other systems in the same country or region
T2 / TARGETRTGS
Eurozone · EUR · ECB / Eurosystem
SEPA SCTACH
Eurozone · EUR · EPC / CSMs
SEPA SDDACH
Eurozone · EUR · EPC / CSMs
SEPA InstFPS
Eurozone · EUR · EPC / RT1 / TIPS
EURO1Hybrid
Eurozone · EUR · EBA Clearing
CHAPSRTGS
United Kingdom · GBP · Bank of England

Operations · Blink (BISERA6)

Operational monitoring: not configured. ClearingPost does not monitor operational sources for this system and does not assess its current service condition.

Operations lists the systems ClearingPost monitors and the operational events it has recorded.

Intelligence for Blink (BISERA6) (1)

Coverage whose headline or summary names Blink (BISERA6), or names its operator or country together with its system type. Each item quotes that evidence and says whether the source is the Blink (BISERA6) operator or external.

AnalysisJun 30, 2026Headline names “Blink”
Bulgaria Retires BISERA6 and Blink as Euro Adoption Shifts Payment Traffic to TARGET and TIPS
Bulgaria's accession to the eurozone on January 1, 2026 retired its domestic RTGS, batch clearing, and instant payment systems. All payment traffic now settles through the Eurosystem's T2, STEP2, and TIPS platforms.
External source · European Payments Council