These systems have been rolling out across Asia and EU and other places.

If CCs were the system of the last 75 years to allow quick transactions, these systems are the next generation.

The US is a specific banking market that has a very embedded structure, regulation, and players. Other nations have a more flexible financial system that allows for services to develop that are better than the existing Visa/MC duopoly.

This is just the next step of allowing them to operate cross-border/jurisdiction.

The fact that you have zero interest does not mean there are many small merchants and customers that find the ability to easily transfer money instantly with very low fees and the same safety as cash is a very useful service.