> What functionality are you looking for exactly?

* Buyer protection

* Obfuscation of my banking data (IBAN)

* Having access to it with my bank

* Not needing to share my contact list

At the moment I don't see much improvement over an instant SEPA transaction. Since both parties will see each other's IBAN anyways with Wero I can just give out my IBAN.

> Buyer protection

Wero does introduce some sort of chargebacks and disputes, buy from reputable sellers and otherwise you are still free to use paypal for additional protection (but don't send money as "Friends & Family").

> Obfuscation of my banking data (IBAN)

IBAN is public facing and it is not a problem to share. It is the identifier of your account therefore required to make transfers. Money can't be charged with your IBAN. With paypal you share your e-mail.

> Having access to it with my bank

Your bank is the one that is providing the access to the Wero service, it will pull from or deposit into your bank account.

> Not needing to share my contact list

I don't see how this is required.

The strength of Wero is that it will be a unified friction less way of making digital transfers. It finds a similar place in the market that in the USA is filled by Venmo or Cash app however if you have a bank account you can use it.

I think it speaks volumes that no one within the Netherlands uses Paypal, but iDeal is the de-facto standard for all online payments there.