You could look at the Taler Project. It is still probably years away from becoming usable but it is a really interesting and promising payment system.

Is it possible to pay with NFC? I read the docs but haven’t found anything

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The GNU Taler wallet app on Android supports NFC communication, but I have not tried it yet.

I think right now their demo is using QR codes. I don’t think the jump from QR to NFC is that difficult but I could be wrong and I don’t know what their pipeline is at the moment.

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