Cryptocurrency privacy varies substantially across the
eleven coins we accept, and the choice of coin has
implications for what is publicly observable about the
transaction. Customers selecting payment method should
understand the trade-offs because the wrong choice can
undo other privacy work they have done.
Maximum privacy: Monero (XMR) provides
protocol-level privacy through ring signatures, stealth
addresses, and confidential amounts. On-chain analysis
of Monero transactions is not generally possible with
current techniques; the chain reveals that transactions
occurred but not amounts, source addresses, or destination
addresses. For invoices where on-chain privacy matters
(privacy-positioned products, journalistic infrastructure,
operators in restrictive jurisdictions), Monero is the
recommended default.
Strong privacy: Lightning Network for
Bitcoin provides effective unlinkability between sender
and receiver because payments route through multiple
intermediate nodes that each see only the next hop in
the chain. Chain analysis cannot reconstruct payment
paths from publicly available data. Lightning is
appropriate for smaller invoices (€100 and below) where
its fee economics are most favourable; larger invoices
can be split into multiple Lightning payments if privacy
matters more than operational simplicity.
Pseudonymous: Bitcoin on-chain, Ethereum,
Litecoin, Bitcoin Cash, Dogecoin, and DAI on most chains
are pseudonymous: transactions are publicly visible and
permanently recorded, but addresses do not directly
identify individuals. The privacy posture depends on
whether the customer has used the same address for other
purposes (which links transactions across uses) and
whether the funding source for the address has KYC
attribution (such as withdrawal from an exchange that
KYC'd the customer). For customers whose funding source
is itself private, on-chain Bitcoin or similar provides
meaningful pseudonymity.
Reduced privacy: Stablecoins on regulated
chains (USDT and USDC on ERC-20, Solana, Polygon, Base,
and Arbitrum; the issuer has the technical capability to
freeze tokens at specific addresses and has done so in
response to legal process. The privacy posture of
stablecoin payments is good for operational predictability
(the amount you pay equals the amount we receive) but
weaker for privacy than non-stablecoin alternatives. The
choice often comes down to whether stable amounts or
stronger privacy matter more for the specific transaction.
The summary recommendation: Monero for maximum privacy
on any invoice size, Lightning Network for Bitcoin
payments below €100 where fees and privacy both favour
it, on-chain Bitcoin or Litecoin for medium invoices
where the customer has private funding sources, and
stablecoins for customers who prioritise price stability
over chain privacy. The choice is always the customer's;
we accept all eleven and do not steer customers toward
one option or another.