Does anyone know if European SEPA actually overlap with Plaid here ?
Was SEPA supposed to "commoditize" the whole "grant access to my bank account to 3rdparty" ?
No (AFAIK), SEPA is meant for facilitate bank transfers (cashless payments) across the members of SEPA. Basically taking the fragmented system across Europe and try to unify it under something to make things easier across the region.