The bitcoin failure (I think it is) teaches something. People don't really give each other money. It's kind of illegal. Money is supposed to move between people and companies or companies and companies, not between people. There is no demand for Peter-pays-Paul.
In Denmark, the MobilePay system is massive, and challenging credit card payments.
It is designed entirely for person-to-person payments, and only later added support for shop purchases as a lower-priority feature. It is used for all sorts of things, including splitting bills and selling used goods, all legal.
Sweden has Swish, but I never figured out if it was popular. MobilePay, on the other hand, is huge.
Edit: "Swipp" -> "Swish". Swipp is dead.