Cashu and Fedimint can accomplish these goals but they want an easy way to take people's freedom based on their identity in the next "emergency."
Payments is Sovereignty.
The EU is just realizing this now.
Fortunately on #nostr, we've known this all along and enabling every individual.
https://www.ecb.europa.eu/press/key/date/2025/html/ecb.sp250904~70ab593276.en.html
Discussion
I am viewing Cashu as a payment instrument managed by a wallet that has its own generated identity. Whether individuals want to associate with their social identity, that's their choice, but I've made the decision to keep the payment system as cash-focused as possible with no personal information.