Osko is built on top of Australia's "New Payment Platform" (NPP). As I understand it, NPP is basically a fast peer-to-peer transaction layer. Based on comments

Osko is built on top of Australia's "New Payment Platform" (NPP). As I understand it, NPP is basically a fast peer-to-peer transaction layer. Based on comments above, it's similar to Pix in that it's implemented by the Reserve Bank and it can use different account IDs (called PayIDs) such as email address or phone number. PayIDs weren't available to businesses when last I looked, for whatever reason, but I think the Eftpos network also uses the NPP. So you can certainly use this network to make payments to business, but you need an EFTPOS card, and most of the banks issue Visa or Mastercard network cards instead.