There will never be such a system legally besides cash where you aren't shotgunning your personal information all over the place, ripe for data sharing and privacy invasion due to Anti-Money Laundering/Know-Your-Customer requirements.

Any sufficiently functional to be user friendly is a primary target for criminal activity, which ensures it won't be long until surveillance requirements of the medium increase the onboarding friction significantly.

Not saying it's a bad thing per-we, just that I'd rather only do business with people I can trust not to attract more attention to my existence unless I'm explicitly doing business for that purpose. I like straightforward business. Not the convoluted web of BS the tech industry has transformed the world into.