[billywhizz]

there is an ongoing initiative in EU (I think US has something similar brewing) called SEPA-Inst which in theory allows free transfers between bank accounts in the EuroZone. sadly, it still comes with a lot of caveats and not possible to guarantee it being free, depending on counterparty banks and potential FX charges.

https://www.quanloop.com/en/investing/are-sepa-payments-real...

it will be interesting to see if lightning/crypto etc. will continue to increase pressure to improve this capability in the traditional banking system - it would enable all sorts of new payment/pricing models for online services like discussed here.

i would love to be able to just make micro-payments for things i have found useful, regardless of what site they are on.