> so not really cross border except from a certain legalistic angle
Is this a joke? Of course it's cross-border, it crosses international borders. It works because the countries involved put in the work to make it easy. The fact that you can't use Pix in the US has no bearing.
> The fact that you can't use Pix in the US has no bearing.
The comment I replied to was claiming Bizum operating "cross border" showed that Pix could do so, so it is very much relevant in context.
It is a very special case of cross border. It is technically cross border but does not have the difficulties of cross border in all of the rest of the world outside the EU.
In any case it is arguable whether these are separate countries or just states of the EU. It has a common currency, a parliament that can legislate (in certain matters - rather like the US Congress) for the whole EU, courts, a central bank, a public prosecutor and many other "national" institutions etc. it also have the symbols of a state such as a flag and a national anthem (albeit both shared with the Council of Europe), EU passports state they are EU as well as the issuing country's name etc.
Even if you do regard it as a cross border one it is very much atypical and cannot be replicated elsewhere.
The umbrella interoperability initiative that includes Bizum is Swiss (neither EU nor Eurozone).
Maybe you have a radical viewpoint, or maybe you're just unfamiliar with the subject matter, but individual EU countries are very much separate entities, notwithstanding many helpful treaties.
There are lots of transnational entities like the EU and monetary unions like the Eurozone.
There's nothing so special about this arrangement that means it couldn't happen elsewhere.
Is this a joke? Of course it's cross-border, it crosses international borders. It works because the countries involved put in the work to make it easy. The fact that you can't use Pix in the US has no bearing.