I played around with GNU Taler a while back. The payer is anonymous but verifiable (so I can’t pay with the same €3 ten times to ten people) but the recipient is known and the payment connected with the recipient, to satisfy avoiding tax evasion and fraud.
It still anticipates merchants taking some fee, but that fee should be able to be much less, as it doesn’t depend on Blockchain (requiring so much work) but is a suitable cryptographic algorithm so 3rd party merchants can compete.
I played around with GNU Taler a while back. The payer is anonymous but verifiable (so I can’t pay with the same €3 ten times to ten people) but the recipient is known and the payment connected with the recipient, to satisfy avoiding tax evasion and fraud.
It still anticipates merchants taking some fee, but that fee should be able to be much less, as it doesn’t depend on Blockchain (requiring so much work) but is a suitable cryptographic algorithm so 3rd party merchants can compete.