Wow I guess people downvoted the heck out of this comment thinking I'm being sarcastic.

I am not.

Apple pay has all the encryption mechanism that makes it much safer than sending your credit card number over the Internet, which the parent was asking for.

The "obtained from cash ATM's" part of OP seemed to be specifically targeting a higher degree of anonymity to me, but it is indeed open for interpretation.

Personally Apple pay is the primary appeal of Apple's ecosystem for me. No other intermediary's incentives are aligned to prioritize the customer in the transaction ahead of data mining opportunities.

People may see this comment and think it's being standoffish, but it's the truth. What OP wants is a system where you transfer traditional currency into digital money (which you're going to need to use a credit card/bank account at least once to do), and then use that without having to worry about using your card on multiple different websites. This is exactly what Apple Pay/Paypal is, minus the transaction fees. This is not the purpose of cryptocurrencies, nor will it ever be.