Unfortunately all of these digital platforms are highly surveilled from a financial privacy perspective. This is the main appeal of cryptocurrency for many, but simple it is not. If you’re doing digital payments the best thing you can really do is avoid as many of the big tech middlemen as possible, and that usually means going with whatever your bank supports, which could be just checks to be honest. It could be Zelle which is owned by a group of the major banks. It’s not something you could just choose to use right now but I hope more banks and countries adopt that technology to solve some of these issues.