Sepa-inst requires 10 seconds or less end to end, this isn’t as easy as it sounds to implement, but we are kind of there.

The problem is how do you initiate this payment? Some kind of scannable code or nfc interaction seems to be the missing part. I’d also like to see some kind of physical card also work for those who don’t want or are unable to have an attestable device with them.

I‘d love if every receipt had an EPC QR code on it: https://en.wikipedia.org/wiki/EPC_QR_code

You scan it with your banking app and have all the details. But it’s not super seamless. If you find this code on a website on your phone, you have to screenshot the code and load it in the app. Would be nice if there was some kind of deep-link standard.