Ecash is literally the ideal solution for accountless credit systems! It would work exactly as I described above. Feel free to shoot questions if you have any, happy to help.
To get started:
- Set up a backend test mint using Nutshell [1]
- Integrate cashu-ts into the frontend [2]
- Check proxnut, a frontend integration of nutshell for this purpose [3]
- Join our community on Telegram [4] and Discord [5]
[1]
[2]
[3]
[4]
[5] 
GitHub
GitHub - cashubtc/nutshell: Chaumian ecash wallet and mint for Bitcoin
Chaumian ecash wallet and mint for Bitcoin. Contribute to cashubtc/nutshell development by creating an account on GitHub.
GitHub
GitHub - cashubtc/cashu-ts: A TypeScript library for building Cashu wallets
A TypeScript library for building Cashu wallets. Contribute to cashubtc/cashu-ts development by creating an account on GitHub.
PROXNUT | Monetize & Access API Data with PROXNUT

Telegram
Cashu R&D
Matrix for dev: https://matrix.to/#/#dev:matrix.cashu.space

Discord
Discord - Group Chat That’s All Fun & Games
Discord is great for playing games and chilling with friends, or even building a worldwide community. Customize your own space to talk, play, and h...