Instant Onboarding gets a lot of attention - but according to WePay co-founder, some of that enthusiasm is a bit misplaced. First, because the real innovation isn\u2019t allowing merchants access to payment services in real time - it\u2019s in dynamically managing the risks associated with them in real time once they\u2019re on the platform. Second, he noted, the idea of \u201conboarding\u201d for payments capacity - is heading for a major disruption.