Since last year, all EU banks have to support SEPA Instant Transfer, both receiving & sending, at the same price as a usual transfer (Instant Payments Regulation 2024/886)
If only https://en.wikipedia.org/wiki/EPC_QR_code supported a sepa instant bit so that one could just show a qr code, scan it with whatever payer banking app and authorize the sepa instant payment.
This is what Ideal/Wero does. Because this is the standard for webshops in the Netherlands (and rapidly expanding to the whole EU) the only gap left to fill was that of consumer-to-consumer transfers with just a QR code to scan. Tikkie I mentioned above solves that well enough in the Netherlands, although that bank-run app is horribly laden with stupid ads and deals you can't seem to turn off.