[pqs]

In Spain we have Bizum. You can send money to any phone number. It's instand and, as I understand, it works on top of SEPA.

[dakiol]

Never understood why it’s tied to a phone number. I don’t like to leak mine just for silly payments.

[mzitelli]

Pix resolved this by allowing email, phone number, tax ID or random generated key as an identifier.