You could look at the Taler Project. It is still probably years away from becoming usable but it is a really interesting and promising payment system.
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Cake day: June 2nd, 2023
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The docs are outdated. They are currently releasing once a month. There is an issue on their github here to update the documentation



I think right now their demo is using QR codes. I don’t think the jump from QR to NFC is that difficult but I could be wrong and I don’t know what their pipeline is at the moment.