Today is the day that payments-veteran J. Verhaegen retires after a long and productive career in the industry. Long ago, when too many policymakers were too vaguely debating the formation of a national payment circuit, he set up a small group of 4. This group decided on a workable migration path for the realisation of the national payment circuit (a more effective set of interoperability standards between the two payment circuits in the netherlands). And this is only one of his many achievements.