It gives the Zelle UX to the underlying SEPA Instant infrastructure across the EU. The EU is using Wero to migrate off of Visa and Mastercard. Parent's werotracker tracks not only banks supporting it, but merchants as well.

Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment - https://news.ycombinator.com/item?id=48207004 - May 2026 (777 comments)

Wero – Digital payment wallet, made in Europe - https://news.ycombinator.com/item?id=47038965 - February 2026 (132 comments)

Europe's Banks Launch Wero Payments to Dislodge Visa, Mastercard - https://news.ycombinator.com/item?id=41666833 - September 2024 (88 comments)

https://en.wikipedia.org/wiki/Wero

https://en.wikipedia.org/wiki/Single_Euro_Payments_Area

> Edit: it looks like Wero requires Google or Apple device attestation. So this is basically a non-starter in terms of "sovereignty" from the US government.

You don't replace the entire stack at once, you replace it piece by piece. Each piece gets you closer to sovereignty. Payment infra, payment rails->tech infra and foundational systems next. If US Big Tech pulls the rug, that Jira ticket goes to the top of the stack. It will take time, but we're headed in the right direction for Europe to decouple from the US. You eat an elephant one bite at a time. Perfect does not exist, nor is there a quick fix, only reasonable efforts to continue to work over time towards success criteria.

https://en.wikipedia.org/wiki/OODA_loop

Any revenue and capital that can be retained in the EU versus being sent to the US is capital that can be recycled into further decoupling and domestic EU investment, versus ending up as US shareholder profits and tax revenues.

(think in systems)