If the problem is "I have a bank account, now I want to receive payments automatically without depending on anything else", you are looking for a money transfer protocol. The Brazilian Pix is quite interesting, as an open protocol, but I don't known of any read made FOSS client for it yet.

There are other nationwide protocols around, some open, but most closed, some closed with publicly accessible middleman. Now we are mostly missing some protocol for international settlement between those.

Honestly, I don't get the point of state sponsored e-money. They looks like me-too projects by people that don't understand what they are doing.