I wouldn't say it's just an account. You can do offline exchange much in the similar way to a paper currency. Those accounts are still annoymous to both partie

I wouldn't say it's just an account. You can do offline exchange much in the similar way to a paper currency. Those accounts are still annoymous to both parties in transaction, not to the central bank. I would say it's much more annoymous than a traditional account, a credit card or debit card, but probably not as annoymous as cash. Also, it's naturally fee-free, you don't pay ridiculous account maintenance or transaction fee.