[vmception]

And also SEPA isnt the panacea people make it out to be, there is frequently some europeans that chime in acting like it is

I found it to be very similar to ACH within the US

Investigating further, turns out many Europeans dont use SEPA between borders. They just send to their friends within the same country using the same major banks, which increases the probability that “Instant SEPA” is used under the hood, which is a good user experience

Ive found crypto to have greater guarantees of unimpeded arrival in that monetary union as well.