Decentralized like...payment cards, controlled by a global duopoly?? The closest thing to decentralized payments we have is SEPA payments via PSD2 "open banking

Decentralized like...payment cards, controlled by a global duopoly?? The closest thing to decentralized payments we have is SEPA payments via PSD2 "open banking" APIs, but that is significantly more difficult to implement and bank support is spotty due to TPPs having to negotiate access with each bank individually.