I'd be interested to know which countries have right now these systems you are referring to. SEPA as you are saying is "in the process" of creating an instant wire-transfer processing system, which in banking terms means 2-10 years.
Did you look at the link I provided?
I don't have to click links and I rarely do. It is your duty to answer in detail since you did jump in the discussion without being asked.
Then again I admit that I was wrong as I didn't believe that EU banks could have adopted so fast and didn't wire-transfer money since 2018. The information you provided was valuable.