Wow, this is really cool. Literarily just debt cards without the cards, or Apple/Google pay without the proprietary software. Also the option to pay friends like venmo. Open standard, open software and no reason other than capitalism to not use it.

I wonder if Taler could follow an implementation path like Apple/Google pay, I’m not sure how those services even work (is Apple/Google considered a bank? A payment processor?), yet they have point of sale integration which everyone everywhere had to pay to upgrade their systems to support.