The idea, which was always inevitable, is to plug Lightning into the existing banking infrastructure of IBANs and SEPA. As a result, merchants can accept bitcoin with instant settlement, it enables MiCA-compliant on- and off-ramps for bitcoin, and companies can pay their employees in bitcoin, all with only minimal KYC and fees. 

Bringin Bitcoin to Retail Banking with the Breez SDK
https://medium.com/breez-technology/bringin-bitcoin-to-retail-banking-with-the-breez-sdk-e4d5822dca5c