[cubefox]

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.

[loeg]

FedNow is analogous to SWIFT, not applications like Giropay / iDEAL / wero.

[ywvcbk]

Wouldn’t it be closer to SEPA? i.e. both are single currency, low cost and instant(?), effectively the opposite of SWIFT.

[cubefox]

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.)

[lxgr]

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.

[pjmlp]

You can also pay with SEPA directly, although not everyone supports.

However I consider that highly unsafe.