https://en.wikipedia.org/wiki/GNU_Taler
Or perhaps The Lightning Network?
(Yes, I know that TLN uses Bitcoin)
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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.
Tried the demo a little while ago, ready to use whenever it’s being actually usable.



