All Eurozone countries, all bu one an EU member (and that one is very small has a very close trade deal with the EU) so not really cross border except from a certain legalistic angle.
The practicalities are very different from transferring between say Brazil and the US.
> All Eurozone countries, all bu one an EU member (and that one is very small has a very close trade deal with the EU) so not really cross border except from a certain legalistic angle.
So what? Sweden has it's own Swish system, Sweden is well integrated in EU, Europe and Eurozone yet it only works within Sweden AFAIK.
That Bizum works across four countries is not a given just because they're all within the Eurozone. Just like how Brazil and US would need to figure out how to send electronic money between themselves if Pix was available in both countries, so did Italy<>Spain<>Portugal when it came to Bizum, which is a private company btw.
> so not really cross border except from a certain legalistic angle
Is this a joke? Of course it's cross-border, it crosses international borders. It works because the countries involved put in the work to make it easy. The fact that you can't use Pix in the US has no bearing.
> The fact that you can't use Pix in the US has no bearing.
The comment I replied to was claiming Bizum operating "cross border" showed that Pix could do so, so it is very much relevant in context.
It is a very special case of cross border. It is technically cross border but does not have the difficulties of cross border in all of the rest of the world outside the EU.
In any case it is arguable whether these are separate countries or just states of the EU. It has a common currency, a parliament that can legislate (in certain matters - rather like the US Congress) for the whole EU, courts, a central bank, a public prosecutor and many other "national" institutions etc. it also have the symbols of a state such as a flag and a national anthem (albeit both shared with the Council of Europe), EU passports state they are EU as well as the issuing country's name etc.
Even if you do regard it as a cross border one it is very much atypical and cannot be replicated elsewhere.
The umbrella interoperability initiative that includes Bizum is Swiss (neither EU nor Eurozone).
Maybe you have a radical viewpoint, or maybe you're just unfamiliar with the subject matter, but individual EU countries are very much separate entities, notwithstanding many helpful treaties.
There are lots of transnational entities like the EU and monetary unions like the Eurozone.
There's nothing so special about this arrangement that means it couldn't happen elsewhere.
The practicalities are very different from transferring between say Brazil and the US.