load your crypto onto a physical coin that can tap to pay

This is very much possible, I love it!

Coin works as a wallet. You refill it weekly and use it in everyday use. wowow!

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you’d have to have some kind of interface to approve and autosign when you tap the POS system

Yes, can set some amount limit for auto-sign/approval similar to credit cards, to have hassle-free shopping

Keycard.tech (a status project) has a mode on the card that doesn’t require pairing or pin to sign. An NFC reader can request a signature for anything custodied by that key.

“Cash mode” loses everything if stolen, just like your wallet. I wish more apps implemented the open standard to use keycard.