At the cost of a less stable value, you can convert your currency to BTC, store it on a physical wallet like those made by Ledger and self-host BTCPay Server to make receiving money easier (alt cryptocurrency available via integrations). As for spending, that depends entirely on the recipient cooperating and accepting BTC. There are also 'payment gateways' that should help, including self-hosting a verifiable debit card. I'm still looking into it.