Background

  • Even though the benefits of coinjoins are well documented and clearly help us obtain great privacy, conjoins introduce separate transactions into our usual spending flow.
  • You may be aware, but other types of transactions exist today to also take back some control of privacy. For instance, people can use Payjoins when supported by their wallets.
  • Payjoins via BIP-78 look like regular transactions and involve both the sender and receiver contributing inputs when transacting. This could be the merchant themselves or potentially even yourself (via 2nd, 3rd, 4th wallets).
  • Even though its early and that they are not so commonplace today, Payjoins are potentially an even better solution or a natural evolution from coinjoins over the long-run. Especially when in future they support more than 2 participants.

Payjoins will make privacy the default on-chain, without any additional transactions

Why you should be more bullish πŸ”₯

  • Payjoins make it near-impossible to know the true amount paid and they are indistinguishable from other transactions. There is no obvious change or obvious payment output. And of course you can use multiple inputs. There are so many different potential interpretations of the likely amounts, that the bread-trail and 'heuristics' used by surveillance companies can come to a dead-end.
  • With the release of the PDF (Payjoin Dev Kit), we should now see business adoption grow, since it makes their own transactions more efficient and more cheap. Outputs for the receiver (the merchant) will allow transactions and outputs batched together to save on fees in future. The privacy argument for merchants may almost be a secondary afterthought.
  • Furthermore, Payjoins can even remove the need for whole transactions in future, by being able to directly fund the opening of Lightning channels from the receiver's input straight to your node.
  • @bitgould for instance has referred to this as 'transaction cut-through'. Kudos to you Dan, on dedicating so much time to this Payjoin initiative!
  • During a significant bull-market, exchanges will also be incentivised to use Payjoins. Firstly, exchanges could benefit from batching transactions. However exchanges may also struggle for liquid UTXOs to have ready to fund withdrawals at times, even if they hold 100% reserves - due to a cold and hot storage setup. With Payjoins, exchanges would have the ability to directly fund the withdrawals with the incoming UTXOs from their other customers. Again, skipping entire transactions and saving a bunch of fees.
  • Further benefits of Payjoins are discussed here on Github.

Future Adoption

  • Even if Payjoins only account for 10% of transactions on-chain in the coming years. It's enough to reduce the "common-ownership heuristic" to a 90% probability, such that multiple Payjoins in sequence could reduce that from 90% to 81%, then 72%, 65%, 59%, 53% etc.
  • Of course with the incentives in place, it is hoped Payjoins will soon make up a greater share than 10% of transactions. Taproot transactions already account for 60% of the network, despite being less than 2% at the start of 2023.
  • As we stand today, Payjoins aren't so commonplace, but they have hugely significant implications for privacy onchain. Hopefully we see the momentum shift over the coming months, with wallets, businesses & individuals adopting Payjoins.
Nice surprise to see this Gospel on the top of SN this morning πŸ”₯
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Most Exchanges and Wallets will support Payjoin sooner or later.
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Seems so. I wasn’t previously aware of the financial incentives they would obtain by doing so, even without considering user privacy. Hence the post
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You can also save on sweeping dust and joining all of your kyc coins from different sources to one (or multiple) addresses, so there's uses beyond privacy. Take all of your coins from electrum, ledger, strike, etc... all to a shiny new Jade in one transaction :-)
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I'm down for anything privacy
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I have to research more on it before I become bullish
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So did I. I think coinjoins are mostly understood in people’s minds but payjoins aren’t quite there yet.
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Technically payjoin is a form of coinjoin.
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Great Post!
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I stand corrected, "transaction cut-through" seems to have been first termed by Mr G Maxwell. Would pay my parking fine to edit if I could...
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So bullish!
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Wen payjoin?
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My best attempt for now, based on my early understanding.
In go:
  • 4 apples 🍏 and 2 oranges 🍊
Out might go:
  • 2 green apples 🍏, 2 red apples 🍎 , a banana 🍌 and an orange 🍊
Basically it’s really hard to unpick which fruits are owned by who on the other side and how they were created.
In a regular coinjoin:
  • In go 4 apples 🍏 with stickers on of owners
  • Out go 4 apples 🍏 with no stickers on
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Consider yourself 'found'
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