Thought provoking ideas as always, Dave!

I have always advocated for the mobile number to be the single proxy identifier for P2P / P2M payments. However, I can see why you might ‘legitimately’ not want everyone to have your mobile number.

I assume you are aware of the European Payment Council’s initiative to create a single verified database of mobile numbers for such purposes.

The SEPA Proxy Lookup (SPL) scheme covers the exchange of the data necessary to initiate payments between proxy-based payment solutions on a pan-European level. It aims to facilitate interoperability between participating payment solutions.

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