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? 50% of payment service providers in Europe are already using this system to make transfers in under 10 seconds
right now. They are "in the process" of rolling it out to try to reach 100% adoption.
Which countries are these?
As of right now, there are payment service providers in the following 20 countries using this instant transfer system: Germany, France, Belgium, Netherlands, Luxembourg, Austria, Italy, Spain, Portugal, United Kingdom, Denmark, Sweden, Finland, Estonia, Latvia, Lithuania, Bulgaria, Malta, Cyprus, and Monaco.