GNU Taler would be the future privacy-focused alternative if you live in europe. Only if EU sees the potential it has and decides to use it for the upcoming digital euro, that is. For now, you can either use cash irl and monero online. The privacy GNU Taler provides in an online state is between normal card payments and cash, while offline usage is close to cash.

Digital euro: https://www.ecb.europa.eu/euro/digital_euro/html/index.en.html

GNU Taler: https://taler.net/en/