This is literally what the article is about - Digital Euro and Wero are two competing solutions that are debated right now.

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__rito__ 3 hours ago | parent [-]

Wero isn’t a physical card if I am getting this right.

RuPay is.

You get a physical cc/dc with RuPay as provider instead of MC/Visa.

If I am not missing something, Wero is not that.

That is what I wanted to know: why not a traditional, homegrown card that is a direct 1-to-1 alternative of MC/Visa cards? Does that not make sense for the EU now? Why?

	▲	alephnerd 3 hours ago \| parent [-]
		> why not a traditional, homegrown card that is a direct 1-to-1 alternative of MC/Visa cards Because the European market is fragmented. France, Italy, Germany, etc all have some sort of established localized payment system and in some states like Ireland and the Netherlands are entirely dependent on Visa. There is no "pan-European" bank and individual states still care about their sovereignity. France will continue to back and support BNP and Credit Agricole against Germany's Deutsche Bank (and vice versa). The only solution at that point is to just bypass the whole problem and just go directly with mobile payments. Additionally, China, India, and Brazil began building their DPD stack in the 2000s but European states didn't start until the last 2-3 years.