The LA actually stands for low acid. CANada Oil Low Acid

That is exactly the system wero is using. A wero transfer IS an instant bank transfer in the background

Wero relies on instant bank transfers which are not supported by DKB yet but will be mandatory later this year. I am pretty sure DKB will start supporting wero at that point. Wero itself is not feature complete yet though so it will be a few more years until it can replace PayPal and credit cards.