A farmer’s a business, though. You can pay all contactless businesses with Apple/Google pay or Revolut.

For P2P payments there’s always Revolut and Paypal, both let you send money to people that don’t have accounts (unlike Twint).

Twint is neither a monopoly nor one big company. It’s at this point a joint venture by all the big banks, and there’s always PayPal, revolut and others.