Real time SEPA transfer are active in every EU state from the end of 2025, every EU bank offer it.The only problem is sharing the IBAN: last time I tried, the bank's app could not read the IBAN generated by itself on the phone of the receiver.
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It was, back at the time.Now maybe it is time to have some more complex system where some decision need unanimity, some a qualified majority (2/3 for example) and some just a simple majority with clearly written rules about what need what majority.