

Two of the things that I think are new vs the current system are:
Wallet: anonymous holding of currency without a custodian. You can’t hold fiat currency digitally today without a bank or other entity providing that service.
Transfer: moving fiat currency anonymously and under your own direction without intermediaries. You can’t make a digital payment or transfer in pure fiat currency today without that custodian providing the service (often through fee-based payment network). As a result, your identity is known when that transaction happens.
For DIY consider a setup that supports ECC RAM to help prevent corruption. Any good server motherboard should do.
Unraid is pretty easy to get going on. That’s probably the direction I would take in your situation.
Also, if you’re not doing 3-2-1 backup now might be a good time to consider an off-site backup plan. That 4-bay Synology at a friend’s house with a VPN path would be an option for critical data. You could give them some partitioned space on there and on your new NAS to compensate for the power usage. Setup Borg or Restic and it’ll be encrypted on the remote NAS, and benefit from incremental and dedupe to minimize bandwidth usage.