articles such as this one usually are optimized for their audience, you just aren’t the audience. that’s ok. I’m rarely the audience either :) a quick search should give you what you’re looking for https://www.science.org/doi/10.1126/sciadv.adz3040
GNU taler has been working on this, I guess someone just needs to adopt it. https://www.taler.net/en/index.html
First story in David Eaglemans book Sum is about this and goes a bit more into details with a fun twist: https://annas-archive.org/md5/78ce796e77c9b0bd0b4f1fabae08ca35
looking forward to taler becoming a thing
those aren’t upvotes?