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EU's ZKP implementation provides complete anonymity and untrackability:

It does have the downside of requiring "trusted computing" (aka iOS and Android) on the client though.

Same as with NFC credit cards and similar auth mechanisms. You need hardware and OS-backed encryption that is tamper-proof.

but you can use grapheneos with some payment providers/banking apps AFAIK, while you can't use the EU wallet/ageid app.