But Paylib sucks. They came late to the market. Enrolment is difficult (you need account numbers and have to wait two days for validation). Payment is random and can take several days to announce that the recipient doesn't have Paylib or that their bank isn't a member. There are very few partners. Paylib has been used a lot for scams.
In contrast, Lydia (which was recently renamed sumeria), another French neobank initiative, is excellent. They started out as an online money pot service 13 years ago. Then they became a neobank. Registration is super simple and quick (scan you ID and the account is open in hours). They are compatible with google pay and amazon pay. They have a very effective instant transfer system with confirmation of receipt, payment by QR code, etc.. the fact that it's a separate account and confirmation requests are made on both sides, or even a physical check via a QR code, greatly limits scam attempts.
I paid for beers in a bar run by punks with it. That's the level of acceptability.
Wero comes too late, will probably be rubbish and will only concern a few large Western European banks.