For example, the proton stored-value debit card, launched in 1995 in Belgium https://en.wikipedia.org/wiki/Proton_(debit_card) or Danmønt, from 1992 in Denmark which was compatible with the domestic Dankort debit card. VISA cash was theoretically available in 1995, and heavily java based according to https://web.archive.org/web/20211222162640/https://www.it.uc...
I remember using the Swedish implementation of Proton[0] to buy a coffee and bun at our high school's cafe and thinking it was so cool
[0] https://sv.wikipedia.org/wiki/Cash_(betalsystem)