The goal of wero is to be used at points of sales, between individuals and online. For the time being it's mainly between individuals, later on this year, it will be available to make online payments and towards the end of 2026, in shop payments will be opened. It's backbone is sepa instant indeed. Wero is just making it convenient as a contactless payment system based on qrcode or phone number instead of NFC.

[–] boonhet@sopuli.xyz 2 points 3 weeks ago (1 children)

I can't actually see how qrcode or phone number would be more convenient than NFC, but I can see how it'd be cheaper for the merchant if it means they can actually skip the card fees. I doubt us customers will see that 2% of course.

[–] Renohren@lemmy.today 2 points 3 weeks ago* (last edited 3 weeks ago)

The goal of wero is to make it more convenient than doing a wire over sepa and become as convenient as NFC. The fees for the merchant are lower than visa or MasterCard.

But the real endgoal isn't all those aspects but to keep financial transactions independent of US jurisdiction, which isn't the case actually whether it's visa, MasterCard, PayPal, Google or Apple pay.