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Many countries in EU will have a similar QR code payment system like Thailand based on SEPA. Slovakia is rolling out its own in 2026.

The problem is to standardize all these things built on top of SEPA to work across the UNION.

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https://en.wikipedia.org/wiki/EPC_QR_code

There is already a QR payment standard. You can pay a Thai-QR with a Malaysian Wallet.

PromptPay use is different from SEPA. My comment was meant that QR payments are already possible with SEPA in EU it's just there exist different systems built on top of SEPA which are not cross compatible and available across the member states.

My point is, there is a standard for QR payments (I think it's ISO 5201 but it was a long time since I dealt with that). Cross-border support will depend on the country/bank support; but theoretically if everyone adopt it, you'll be able to scan any country QR and then use your wallet to transfer funds (assuming your bank support cross-border payments).

I think ASEAN largely adhere to the standard though the cross-border part is limited to ASEAN.

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