We wouldn't even need these services if instant payments were the norm. I guess we have to thank the Visa and MasterCard lobbies for this to happen at least 10 years too late.

Yeah that's pretty much the only reason people use Wero: transferring money faster than a snail between people. This was filled by the likes of Lydia before, but their shenanigans trying to become a bank pushed people to Wero (which is indeed a rename of something else I don't remember, but I used for less than a year).

The real deal is the card payment networks that your plastic thing can use at a merchant's point of sale. All the rest is moot as we already have SEPA for e.g. online payments (it does have its issue for sure, but it's something).