I guess maybe I'm missing the purported point of signal, attaching your phone number to use it notwithstanding, but attaching payment identity to it as well? Like, what's the point of going through the pain required to use it?
But personally I actually would prefer a federated alternative like matrix.
Your payment info is not connected to your account.
https://support.signal.org/hc/en-us/articles/360031949872-Do...
Does Apple have any records connecting your recurring Apple Pay payment to your iPhone's phone number?
It's for security.