In North America, retail stores often sell prepaid Visa cards that can be used both offline and online.

NYC cashless ban law exception allows a fee-free machine to convert cash to prepaid digital payment mechanism, e.g. stored value card.

US Coinstar kiosks offer fee-free conversion of coins to Amazon and other gift cards.

Prepaid VISA doesn't get around the payment processor refusing to handle transactions for certain businesses though.

Maybe EFT (e-Check) or Zelle does? It's still on line and tracable but is not going through card processor networks.

Interesting. We could probably sell cards with crypto on it with immediate resolution by simply transferring the passphrase/wallet rather than on the chain.

Could do it with pure stablecoin.

A bitcoin bearer instrument. Like this https://opendime.com

Texas has proposed a gold-backed digital currency, https://news.ycombinator.com/item?id=35866856

> The comptroller would also be required to create a mechanism that would allow the new gold-backed digital currency to be used by citizens for their daily transactions. “In establishing the digital currency the comptroller shall establish a means to ensure that a person who holds the digital currency may readily transfer or assign the digital currency to any other person by electronic means.”