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
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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SSN as identifier is fine. It should be non-secret because it’s everywhere and imposes a cost on every business that records it.
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SSN doesn't have a check digit though, so the input error rate is unnecessarily high
End of conversation
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