Your currency is stored locally on your device and transferred directly to the merchant when transacting. The marchant software can also be selfhosted. It just has to communicate with with the centralized exchange for deposit into traditional bank accounts.
If you don’t have a backup then you’re likely out of luck. But that’s better than cash, where you can’t make a backup
Then you wanna deposit it immediately to find out, like a seller does
It seems sellers can host their own payment receipt service and the verfication comes from cryptographically signing the money when it’s issued from issuers
I’m daily driving fedora kinoite on my laptop and silverblue on my desktop. Set up all my development tasks and local network services and such in toolbx containers. It’s going really well