Yes, see David Chaum's original pre-bitcoin "e-cash" and the more recent GNU Taler project: https://taler.net/en/ https://taler.net/en/ The problem is that ban

Yes, see David Chaum's original pre-bitcoin "e-cash" and the more recent GNU Taler project: https://taler.net/en/ https://taler.net/en/ The problem is that banks won't implement these systems unless they're forced to. They seem to benefit from the insecurity, surveillance, and bureaucracy of the existing system. So we will have to make new banks...