Shared payment infrastructure creates value precisely because competitors use the same network, but that makes ownership and funding contentious. Banks may resist paying for infrastructure used by newer competitors. Fintechs may resist access terms controlled by incumbents. Governments may finance the network and still face pressure over unequal access or rising operating costs. Different markets have taken different approaches, including central-bank ownership, industry-owned switches and open-source infrastructure. The roundtable compares these models through three questions: who owns the rail, who gets access and on what terms, and who pays to maintain and upgrade it. It then examines how those choices change once infrastructure crosses borders and sovereignty becomes shared rather than purely national.