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> they've decided to take a "mobile-first" approach for now

That's hardly a confirmation that it will never be possible ("for now"). It seems like a fair tradeoff for a launch when almost everyone has a smartphone and that's already enforced like that for many parts of life (I'm not saying it's great, but it's a valid tradeoff when alternative options exist) like banking or public transport where the happy path often is a phone app.

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You'd think that basic infrastructure such as payment systems had higher standards than just "most" people having access to it.

It's fine as long as we have alternatives, but if online shops were to start to phase out SEPA payments in favor of Wero and Wero-only shops were to start popping it, it would be a real problem.

Btw the solution already exists: It's still relatively small scale but GNU Taler is live in Switzerland. The EU could make regulation to make it easier to adopt at any time it wants.

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