- Not sure what is your domicile, but Strike has Bill Pay feature and it has fiat account capabilities. It's of course KYC. - Create p2p exchange groups with your friends that are interested in buying bitcoin over time (it can be quite basic:

Stacker News

Do this: Create simple p2p no-KYC exchange groups with your friends \ stacker news ~bitcoin

Create alternative to the current fiat-BTC exchange system Do you want to buy or sell BTC for fiat without KYC? Solution is simpler than it looks, ...

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Moon - Shop Online with Cryptocurrency - Pay with Moon

Pay with Bitcoin, Lightning, USDC, USDT, Ether and more. Spend your cryptocurrency anywhere with Moon - Pay with Moon

can generate one time debit cards funded with lightning (no KYC)