But "U.S. Constitution doesn't allow individual states to create their own legal tender"
more accurately, a single state cannot replace/remove the national legal tender.
but states can accept other recognised legal tenders (euros/pounds) alongside the national legal tender
There is, however, no Federal statute mandating that a private business, a person or an organization must accept currency or coins as for payment for goods and/or services. Private businesses are free to develop their own policies on whether or not to accept cash unless there is a State law which says otherwise. For example, a bus line may prohibit payment of fares in pennies or dollar bills. In addition, movie theaters, convenience stores and gas stations may refuse to accept large denomination currency (usually notes above $20) as a matter of policy.
this bill is not replacing dollars.in the form of bank notes/nickel/copper coins. its instead legalising/recognising a new medium of exchange(making it a legal tender).
EG if the US was only allowed to transact national legal tender (bank notes and coins minted by the fed) then visa/mastercard, cheques would be invalid. and businesses could not refuse a $10 fee paid in 1cent coins. nor a $200 fee paid in 2x$100
but businesses can refuse bank notes and coinage. and instead decide to only accept debit cards and cheques if they wanted to, and they can accept payment in pounds and euros, etc
however. courts, police and the IRS only want $$ in any form(cheques, debit card, banknotes)
credit/debit cards is deemed as legal tender(money). as is foreign currency. a state can allow multiple currencies or forms of currency as legal tender within the state ALONGSIDE the national legal tender. but again this does not mean 1 state can replace/remove the US national legal tender
