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For what it’s worth, I run GrapheneOS and can use my phone to pay for stuff via NFC just like any other phone user. I’ve used it in various countries and it Just Works™.
To achieve this you just need to find a payment app that works.
In my country, I use Curve.


I’m a “Groundbreaker” on the new Digg (just the initial wave of people that signed up). It’s nothing nefarious but it’s also nothing special yet.
There are grand claims of being an antidote to the more toxic corners of the Internet but so far it’s a bit of a damp squib.
I do hope they pull it off but at the moment it’s a poor cousin of Lemmy, IMHO.
That assumes that notes spent at a store are kept and never reused; that’s simply not true. If you buy a €5 coffee with a €5 note and then later in the day someone buys a €3 muffin with a €10 note, your €5 note is given to them as change. Repeat that process in a town or city and that cash gets pretty shuffled quite quickly.
Your scenario doesn’t also take into account till “float” where a portion of cash is kept in the till/store/elsewhere to seed the till the next morning for the first customers of the day, should they need change for their purchases.
I run a complete, self-hosted Matrix stack including bridges to WhatsApp, Slack, Telegram and Signal as well as Element Call (Livekit) and MAS (the new authentication system).
I don’t think there’s any shortcuts. You just need to install them and work through any issues, one-by-one. Start with just the homeserver (Synapse, don’t bother with anything else yet) and add one component at a time and get it working before moving to the next.
I will say that having a decent knowledge of reverse proxies, networking, DNS and certificates will help you greatly. Having a solid understanding of Docker (if you’re using Docker) would be of great benefit too.
It should be much easier today than it was five/six-odd years ago when I started; things are more polished now than they were then.
Logout from all your Google accounts and then use Aurora Store in anonymous mode to install and update apps.