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Europeans are so far ahead the US in mobile payments its not even funny.

As a European living in the US I don't get that. Seems very similar to me.

SEPA Instant (UK Faster payments) has been in market for a few years now. While the Federal Reserve is still working on rollout plans for FedNow.

The US "instant payments" is Venmo/PayPal which are secondary to the banks not primary.