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My latest blog entry: https://xrphodor.wordpress.com/2017/06/19/xrp-ripple-and-the-difference-between-privacy-and-anonymity/ This dovetails with the debate that I had yesterday about the same topic, moderated by Mercury on the Discord application. He will be publishing the debate verbatim under separate cover later. The most interesting note is that after thinking about the outcome of the debate, I shifted my position more towards my opponent than the stance that I took in the debate. My blog entry reflects my true opinion on the topic, while the debate reflects the role I played by only arguing the "pro" side of the coin! I hope you like the blog entry. tl:dr version: I believe Ripple should offer privacy to its conservative banking customers, but I don't think there is a need for XRP payments to be completely anonymous, and I don't think Ripple needs to get mixed up in what I believe will amount to a regulatory crackdown on these "anonymous coin" protocols. Instead, they need to maintain course in full cooperation with regulatory and governmental authorities, not try to circumvent them.
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I wonder if XRP has the same anonymity level as bitcoin or ether. Because the association of XRP with banks, XRP can be more trackable and transparent, and more difficult to hide than, for example, bitcoin? Is this technically based or just a psychological impression? Could there be off-chain or on-chain tumbler possibly developed? Otherwise, how would people want to remain anonymous if they desire, say after obtaining XRP from BTC or USD from a KYC-compliant exchange. Don't get me wrong. I am just thinking if XRP is less anonymous than bitcoin, it could really hamper its utility outside banks.