The UK's Variable Recurring Payments (VRP) sweeping definition is changing how people pay for things, enabling account-to-account open banking payments to become the norm. VRPs allow consumers to approve transactions that vary in amount from month-to-month, making them ideal for recurring bills like gas and electric bills. The first feature being developed by Plaid is sweeping, which automatically moves funds between two accounts with the same owner, helping users avoid overdraft fees or take advantage of better interest rates. This technology can encourage savings through intelligent savings, help with loan and credit repayments, and automate financial goals, making it a valuable tool for businesses that offer current or savings accounts. The sweeping use cases defined by the Competition and Markets Authority (CMA) include avoiding overdrafts, loan repayments, and reaching financial goals, while excluding e-commerce purchases, cryptocurrency transactions, online gambling, and foreign exchange services.