If you could send money to a blue tick, then maybe I'd buy one
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.