In Eu none of those exist, in my country there is an instant transfer app that many ppl use, they charge a few cents for each tx. Bitcoin was not built to replace this systems, people will only start using Bitcoin if they already hodl so they are bitcoiners already, or some of these apps start integrating LN, Strike now is available in EU but not many people know about it.  

 Interesting! Is it just one instant transfer app? Is it made by a company or the government?