SIBS came up with virtual credit cards since at least 2009 - those are Visa or Mastercard cards, mind you, although that's defined by the debit card that it's associated with (so defined by the bank).
You can pay your bills in Portuguese ATMs, buy tickets, recharge your travel pass, withdraw money without a card, etc... makes most other systems seem like the stoneage.
I'd rather have currency sovereignty. The euro is cute if you're a large country in the "free" trade region that supports it... otherwise it just means local produces unable to compete with scale economy and the slow dismantling of your country's production and transformation into a services country. Yay europe. But let's blame China instead.
I seem to recall some drama about rust in the kernel... what could that mean...