The EU already managed to make card payments significantly cheaper and more secure within a few years than they'll probably ever be in the US (still no PINs and no 3DS, and interchange will probably never get regulated because everybody freelances as a severely underpaid lobbyist thanks to frequent flyer miles), to say nothing of regulating a free and instant bank payment scheme into existence while FedNow is still rolling out.

Say what you will about EU inefficiency and regulations, but in my view, at least their financial ones have been largely on point.

Wirecard was pretty good. Assuming you're Jan Marsalek.