Every currency has, by definition, native payment methods. (If it doesn't, it's a settlement system, not a currency.) Most simply: physical cash.

Electronic payment systems are more complicated. In some countries, consumers can directly access them. In others, e.g. the United States, consumers indirectly access the settling-in-seconds and costing-pennies Fedwire system through banks.

> Bank wire transfers take up to three days in Europe

Maximum settlement time for SEPA transfers has been 1 business day since 2012.

[1] https://www.ecb.europa.eu/pub/pdf/other/sepa_brochure_2009en... footnote on page 20

(And of course the reason bank credit has more recently become treated as currency and accepted as electronic payment is because it's exchangeable on demand, at parity to and often instantaneously for legal tender)