The Brazilian Instant Payment Scheme (PIX) is interesting, because it is launching within a year with both a mandatory QR code scheme and an Identifier Database (DICT) on top of the existing TED transfer system https://www.bcb.gov.br/en/pressdetail/2313/nota … Both features EU SEPA and US RTP are missing
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US taxpayer ID (typically SSN) is used as a second factor of authentication. Making an identifier into a secret.

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Oh yeah, the worst! That’s a uniquely American problem, because there is no centralized citizen registration and SSN became the default identifier which it was never intended to be
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