A FOSS app for digital payments, must have a company front to sign deals with country retail store chains. Although customer kyc can be avoided, the payments from the front company to retail chains would be thru a corporate structure.

... maybe convenience is the wrong path

The advantages of PoW crypto, over digital (and PoS), it's possible to force between seller and buyer:

• communication with end-to-end encryption
• privacy oriented marketplaces

With the goal of fostering our own private communities. Over time, might spawn a sub-culture, identity, and ultimately people hood.