You see, this is why atomic desktops aren't a bad idea.

Moreover, personal transaction details of offline digital euro payments would only be known to the payer and the payee, providing a cash-like level of privacy.

https://www.ecb.europa.eu/euro/digital_euro/faqs/html/ecb.faq_digital_euro.en.html

Private payments with a wallet on you phone is something the digital Euro is supposed to offer, if it ever arrives as designed.