Any big competitor to google pay has no reason to upload their platform as open source for their competitors to reuse.

That is because it’s expensive to make and market Apple pay, or other payment processors (and it’s regulated also) so the projects that make it all have VC funding.

In the end they could open source the code but there is not much incentive for that anyway

Check out monero or liberapay.com

Wtf

Signal is way better than a lot of the alternatives as they do not have much data about you.

Checkout this video about what the US government got with a subpoena to Signal https://www.youtube.com/watch?v=3oPeIbpA5x8