I copied the PEM files to /etc/caddy and now starting up with no errors:
Jul 19 11:34:44 batopi systemd[1]: Starting Caddy...
Jul 19 11:34:44 batopi caddy[2326]: caddy.HomeDir=/var/lib/caddy
Jul 19 11:34:44 batopi caddy[2326]: caddy.AppDataDir=/var/lib/caddy/.local/share/caddy
Jul 19 11:34:44 batopi caddy[2326]: caddy.AppConfigDir=/var/lib/caddy/.config/caddy
Jul 19 11:34:44 batopi caddy[2326]: caddy.ConfigAutosavePath=/var/lib/caddy/.config/caddy/autosave.json
Jul 19 11:34:44 batopi caddy[2326]: caddy.Version=v2.4.3 h1:Y1FaV2N4WO3rBqxSYA8UZsZTQdN+PwcoOcAiZTM8C0I=
Jul 19 11:34:44 batopi caddy[2326]: runtime.GOOS=linux
Jul 19 11:34:44 batopi caddy[2326]: runtime.GOARCH=arm64
Jul 19 11:34:44 batopi caddy[2326]: runtime.Compiler=gc
Jul 19 11:34:44 batopi caddy[2326]: runtime.NumCPU=6
Jul 19 11:34:44 batopi caddy[2326]: runtime.GOMAXPROCS=6
Jul 19 11:34:44 batopi caddy[2326]: runtime.Version=go1.16.5
Jul 19 11:34:44 batopi caddy[2326]: os.Getwd=/
Jul 19 11:34:44 batopi caddy[2326]: LANG=C.UTF-8
Jul 19 11:34:44 batopi caddy[2326]: PATH=/usr/local/sbin:/usr/local/bin:/usr/sbin:/usr/bin:/sbin:/bin
Jul 19 11:34:44 batopi caddy[2326]: NOTIFY_SOCKET=/run/systemd/notify
Jul 19 11:34:44 batopi caddy[2326]: HOME=/var/lib/caddy
Jul 19 11:34:44 batopi caddy[2326]: LOGNAME=caddy
Jul 19 11:34:44 batopi caddy[2326]: USER=caddy
Jul 19 11:34:44 batopi caddy[2326]: INVOCATION_ID=5d0bfabf1a8c41938f8d0c90934c2832
Jul 19 11:34:44 batopi caddy[2326]: JOURNAL_STREAM=8:28272
Jul 19 11:34:44 batopi caddy[2326]: {"level":"info","ts":1626708884.3110464,"msg":"using provided configuration","config_file":"/etc/caddy/Caddyfile","config_adapter":""}
Jul 19 11:34:44 batopi caddy[2326]: {"level":"warn","ts":1626708884.3129115,"msg":"input is not formatted with 'caddy fmt'","adapter":"caddyfile","file":"/etc/caddy/Caddyfile","line":2}
Jul 19 11:34:44 batopi caddy[2326]: {"level":"info","ts":1626708884.3143702,"logger":"admin","msg":"admin endpoint started","address":"tcp/localhost:2019","enforce_origin":false,"origins":["127.0.0.1:2019","localhost:2019","[::1]:2019"]}
Jul 19 11:34:44 batopi caddy[2326]: {"level":"info","ts":1626708884.3155248,"logger":"tls.cache.maintenance","msg":"started background certificate maintenance","cache":"0x40002a91f0"}
Jul 19 11:34:45 batopi caddy[2326]: {"level":"info","ts":1626708885.8284976,"logger":"http","msg":"server is listening only on the HTTP port, so no automatic HTTPS will be applied to this server","server_name":"srv0","http_port":80}
Jul 19 11:34:45 batopi caddy[2326]: {"level":"info","ts":1626708885.8287878,"logger":"http","msg":"skipping automatic certificate management because one or more matching certificates are already loaded","domain":"emupay.me","server_name":"srv1"}
Jul 19 11:34:45 batopi caddy[2326]: {"level":"info","ts":1626708885.8288605,"logger":"http","msg":"enabling automatic HTTP->HTTPS redirects","server_name":"srv1"}
Jul 19 11:34:45 batopi caddy[2326]: {"level":"info","ts":1626708885.8309228,"logger":"tls","msg":"cleaning storage unit","description":"FileStorage:/var/lib/caddy/.local/share/caddy"}
Jul 19 11:34:45 batopi caddy[2326]: {"level":"info","ts":1626708885.832361,"msg":"autosaved config (load with --resume flag)","file":"/var/lib/caddy/.config/caddy/autosave.json"}
Jul 19 11:34:45 batopi caddy[2326]: {"level":"info","ts":1626708885.832762,"msg":"serving initial configuration"}
Jul 19 11:34:45 batopi systemd[1]: Started Caddy.
Jul 19 11:34:45 batopi caddy[2326]: {"level":"info","ts":1626708885.8381886,"logger":"tls","msg":"finished cleaning storage units"}