As a creator, I'd be much more interested in a way to get paid into my actual bank account in such a way that didn't involve Bitcoin (et. al.), PayPal or Stripe.

Maybe you can check https://liberapay.com/.

You can take a look at the supported projects before signing up.

You can find projects like GIMP, F-Droid, Mastodon, codeberg, Lemmy there, and you can also find programmers that you may know.

Oh yeah I’d love such a thing!

You could log to one service and use it to give to every open source project, no matter if they use Patreon or another platform.

Still it would be sensitive to handle as there would be credit cards informations..

What I’ve created is a Firefox bookmark folder with the « donate » page of every project I wanna support.

I think tools like Open Collective, Ko-fi, et al. are sort of that already. So you’d be building centralization atop centralization. That may be useful, but it is another place that would require a rake to keep the lights on, so again less money donated.

And what happens if two or more such services exist? Then you need a layer above that.

I don't think that's possible.