phone-proxy
Country: Estonia (EE)
Adoption: 4 banks
Primary use: Transfers
Technical standard
No matching entry under docs/standards/. Either the scheme is named idiosyncratically in the country report, or it has not been added to reports/TRACKING.md's Discovered Standards Summary.
Source
Extracted from EE-estonia.md — see that report for full banking landscape, technical specifications, and citations.