> Many individual countries already have their payment systems, and have had for a long while. Yes, but also Single Euro Payments Area (SEPA) is a thing alread

> Many individual countries already have their payment systems, and have had for a long while. Yes, but also Single Euro Payments Area (SEPA) is a thing already (1). SEPA instant has been live in some places since 2017 (2). 1) https://www.ecb.europa.eu/paym/retail/sepa/html/index.en.html https://www.ecb.europa.eu/paym/retail/sepa/html/index.en.htm... 2) https://en.wikipedia.org/wiki/Single_Euro_Payments_Area#SEPA_Instant_Credit_Transfer https://en.wikipedia.org/wiki/Single_Euro_Payments_Area#SEPA...