> We don't need Visa or Mastercard: just route payment instructions from payee's bank to payer's bank. That sounds simple, but yet is basically nowhere as a pa

> We don't need Visa or Mastercard: just route payment instructions from payee's bank to payer's bank. That sounds simple, but yet is basically nowhere as a payment infrastructure. Various countries have their own low friction payments, like Norways' Vipps; we "just" (hah) need to combine them into one European Voltron of payments.