there is already a standard. it's SEPA/SWIFT and works on IBANs independent of any banks.
but it's use case is tiny in most of the world. most payments aren't made to people you want to give money to. most payments actually go to sellers. as such what people use in developed countries is their credit card.
Swift is slow and expensive as hell, the fees can run into 10s of dollars per transaction. SEPA is limited to the EU, not even the official candidate countries have it.
