Comment by jeroenhd

Wero does several things. You can already send instant payments if you fill out IBAN and such, but entering order numbers, account references, and other such cruft for purchasing products is a pain. Companies receiving such payments also need to connect payment to a user and update their digital processes somehow. Wero offers such a solution so you don't have to find a PSD2 processor (which will probably cost just as much).

For interpersonal transactions I don't really see the advantage here, but for commercial use cases it's got a solid product and purpose.

Wero doesn't stand to benefit much from payment fees as European payment fees are already rather slim compared to, for instance, American ones (crazy things like percentages of purchase price with a minimum amount!).