PSD2 is merely a framework for an uniform access to banking, same APIs everywhere. While you can send money through it, it's still through the same means as normal.

Many of the european countries have their own "Pix", but there's no European-wide alternative. The ECB wants to make one (tentatively titled "digital euro"), but it's going to take a long time to come out.

There are plans for interoperability between the various European payment apps.

My local app (MB Way, PT) can be used to send money to Spain and Italy. Others will follow.

https://www.mbway.pt/a-interoperabilidade-e-o-futuro-dos-pag... (link in portuguese)

Wero is the alternative, it's moving on quite well. https://en.wikipedia.org/wiki/Wero_(payment)