Using graphene is and cash app doesn't like "emulating" their app so is there an alternative? Id need something private that works on graphene, I don't have an actual credit card and need an alternative so that I can still get paid and buy stuff but looking into open source alternatives seems like going through an ocean where I'm not even sure what's good or what would even work on graphene. Any suggestions?

Paypal and/or Stripe? Paypal sucks but it has a web UI. You can get a deposit backed credit card without much hassle too, though the fees are high.

If you want a private way to transfer money you need to use cash, or probably some kind of crypto.

If you want to easily transfer money digitally with as little 3rd party intervention as possible then your bank probably uses Zelle

Paypal web ui. For open source, as private as possible, you're going to want Monero.