GNU Taler seems interesting. I hope there will be some real world test in Germany soon.
An open source, privacy first, currency independent payment system could help bitcoin adoption too.
https://w...
I was not happy with: The central element in GNU Taler are the “exchanges” operated by financial service providers. These exchanges are responsible for issuing digital coins, detecting double entries, and holding bank money in trust. They act as a kind of “central authority” that signs the coins and holds the actual value.