Comment by hocuspocus

EPI is the interface and it's built upon SEPA and TARGET standards.

Wero is the implementation. I think it makes sense to provide a turnkey solution to all participating banks, so that we don't have 100+ versions of the same app.

Countries that don't want to trust EPI (or simply outside the Eurozone) are able to take the same path as Bizum in Spain, and make their domestic solution interoperate with EPI instead of replacing it.