European ActityPub for payments and money transfers?

I seen lately some news about EU-wide project about payments and money transfers at EU scale and scope.

I wonder how it come that EU still did not create any “ActivityPub for payments and money transfers” to be used together by payment gateways, online merchants, banks, digital wallets or who else today involved in payments at principle “join in one EU country and interact with each other easily as need” .

And this surely should not be a system limited only within EU borders, it should be capable to accept payments towards EU merchants from abroad. For example, it should be able to process the payment from person living in e. g. Georgia country who buying a no-DRM game from GOG games store.

I gave extra example with payments coming from outside EU as to remind that if such protocol like “ActivityPub for payments and money transfers” fits very well not only for local economy, making a reality more affordable payments for a grocery shop or a cafe, but also for everyone in EU, including EU merchants with worldwide audience.

For local economies some low-fee or even non-commercial solution with zero-fees for local transfers and payments would be very useful for local communities, because it can make everything a bit more affordable for everyone within community.