Comment by toomuchtodo

Europe and the UK have instant SEPA credits and debits, no? That's 41 countries within the single instant payment system.

https://www.ecb.europa.eu/paym/integration/retail/instant_pa...

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

https://www.pymnts.com/wp-content/uploads/2025/05/PYMNTS-Rea...