The CMA9 provide variable recurring payments (VRPs) for sweeping as mandated under Roadmap item A10: moving money between a customer's own accounts, to unbundle overdrafts and to pay credit cards and loans that are alternatives to overdrafts, but not e-commerce purchases; since the CMA's letter of 3 December 2025, mandated access to repay credit applies only where the destination credit account has characteristics similar to an overdraft, for both personal and SME customers.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.