How different is this from Indian systems like PayTM or PhonePe ? functionally.
Linux
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Linux is a family of open source Unix-like operating systems based on the Linux kernel, an operating system kernel first released on September 17, 1991 by Linus Torvalds. Linux is typically packaged in a Linux distribution (or distro for short).
Distributions include the Linux kernel and supporting system software and libraries, many of which are provided by the GNU Project. Many Linux distributions use the word "Linux" in their name, but the Free Software Foundation uses the name GNU/Linux to emphasize the importance of GNU software, causing some controversy.
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Bitcoin?
Bitcoin allows the seller to evade taxes, lacks a central exchange, and has no distinction between Merchants and Consumers.
I'm not interested in defending bitcoin, but that is mostly misinformation. If you want to truly condemn bitcoin you should target it's actual harm, the fact that it's accelerated low-friction financialization of capitalist money, so therefore immiserates the working class faster than fiat. Come at it with the good old Marxist critiques of capital, because that's all it really is. If you argue against it with flimsy falsifiable claims like you just did, a true believer will make you look like a fool.