https://en.wikipedia.org/wiki/GNU_Taler
Or perhaps The Lightning Network?
(Yes, I know that TLN uses Bitcoin)
Tried the demo a little while ago, ready to use whenever it’s being actually usable.
There’s tons of regulatory hurdles to operating any kind of money transmitter, at least in the US. Also, Taler is designed to be reversible which is problematic in some situations. The opposite is of course problematic in other situations.
Chaum’s original digicash patents are long expired by now. I wonder if those schemes should be revisited.
I wish it actually became more mainstream than Wero e.g.
Wero is a trap at best or more likely a figleaf that is meant to fail.
EU private banks much prefer the status quo over systems like the Brazilian PIX taking over the digital payment systems.
So when the EU central bank started looking into a sovereign alternative to Visa/Mastercard etc. the private banks scrambled to put together Wero to delay and maybe prevent the central bank from coming up with a system like PIX.
Sadly GNU Taler was never really an option for these banks, as it is an open standard and thus even if they supported it, the central bank could still plug into it with their own system and thus they would be forced to compete with that.
Wero is a trap
It is also insecure by design and actively supports scamming people.





