From my understanding it only adds an layer in front of your IBAN (either phone number or mail address). There are no additional features (like buyer protection) cause they aren’t an payment processor themselves, it’s only normal bank transfers (Echtzeitüberweisungen).
Edit: that’s also why banks have to explicitly support it, whereas PayPal just works with any bank.







The main problem with IRC is that it isn’t asynchron, like I can write something now and a friends only comes only tomorrow to check up on me messages.
I mean yes there are/were bouncers when I last used irc but if I remember correctly that’s just not the same…