Cryptomator with local-only cloud?

I’d like to know how some of you are implementing Cryptomator with a local-only cloud. Assume I don’t want to install a full NAS operating system, but instead would like to use an existing headless server with an attached drive.

My first intuition is to create an NFS share on my server, mount it locally, then decrypt with Cryptomator. Second idea is to use SSHFS.

What are you all doing?