Streamer/DAC raspberry pi 5

Hello All,

i'm not abble to pay 1000 eur for DAC on the market, but i want great sound, i'm newbie and i would like this project to be succes i'm thinking to use a raspberry pi 4/5 ,
i want to build a DAC minimum 24/192khz more it's better, i don't know what hat card do you advice me to take
for the streamer i'm not abble to code i need something with permit me to stream qobuz/tidal/ deezer, i have seen volumio but i'm not ready to pay15 euros per month to use volumio in more qobuz's price.
Have you any experience to help me?