Consumers payments deserves their privacy, but business ones needs absolutely to be fully traceable.
Could it be possible to use two different yet identical interchangeable currencies, one traceable for making business only, and one untraceable for consumers retail transactions?
loosely i.e.
wages are Business currency converted and paid in Consumer currency, accounted for the amount paid to the consumer in his name
end-users/home/consumer purchases are made from consumers anonymously in Consumer currency, and this is converted converted into Business currency upon transaction, keeping only the consumer name anonymous but tracing everything else
B2B transactions are made in Business currency, fully traceable
AFAIK it is audited, and its threat model is rather extreme, like there is no unequivocally binding id, you can give every contact a different id
They talk about for profit/no profit in their last blog entry
https://simplex.chat/blog/20240323-simplex-network-privacy-non-profit-v5-6-quantum-resistant-e2e-encryption-simple-migration.html