SEPA has provided free transfers years before Satoshi even posted his first post, and SEPA ICT's first draft was at a time when Bitcoin was published, but no on

SEPA has provided free transfers years before Satoshi even posted his first post, and SEPA ICT's first draft was at a time when Bitcoin was published, but no one had used it yet. The reason isn't the goodness of their hearts, it's simply a government mandated program to improve the payment infrastructure.