That is exactly the system wero is using. A wero transfer IS an instant bank transfer in the background

Wero relies on instant bank transfers which are not supported by DKB yet but will be mandatory later this year. I am pretty sure DKB will start supporting wero at that point. Wero itself is not feature complete yet though so it will be a few more years until it can replace PayPal and credit cards.

Scholz only said that he personality doesn’t want to do the coalition talks. Someone else from the SPD will do them.