I think a Cashu or Fedi-type system with a stablecoin is probably the best scenario.

With that system, even if KYC was performed on the members, they would have transaction-level privacy.

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Interesting I need to catch up on Fedi type systems. Any good resources to learn about them you recommend?

Great place to start. Easy to run yourself and also do multisig with whoever you select

https://cashu.space/

Here's fedimint. Fedi (for profit co.) Is really only one building on it, to be released. Multisig available too for mints. Still great to see

https://fedimint.org/