Yes. In Germany there is Giropay, where you get redirected to your online banking (it remembers your bank), you have to log in, and submit the already pre-filled transaction. It's literally a normal bank transfer from the user perspective. Not something that happens on the server side.
I don't know about the others, but Giropay just does a redirect to your online banking account and prefills the bank transfer form. The actual payment is literally the instant bank transfer solution. (I think it's called TIPS, not SWIFT.)
It's a scheme layered on top of regular SEPA bank transfers. As such, it does not work across borders, for example, and not even with all German banks.
> TIPS is a harmonised and standardised pan-European service with common functionalities for the settlement of Instant Payments across different countries and jurisdictions. It is based on the Single Euro Payments Area (SEPA) Instant Credit Transfer scheme.
> In 2020, Lael Brainard announced the upcoming FedNow service would provide "a neutral platform on which the private sector can build to offer safe, efficient instant payment services to users across the country",[20] after 2018 the European Central Bank launched the TIPS instant payment settlement system.[21]
Unfortunately not every country in Europe. Zero banks in Ireland have implemented SEPA Instant and transfers still take at least a day. Thankfully though they have a deadline to implement this that's coming up soon and will be forced to comply.
Sometimes it can be worthwhile to see what other countries have been successfully doing for decades. It won't prevent anyone from reinventing the wheel if they still have their mind set on it :)