Silent Payments, Pay Join & the Bitcoin Tech Making You Invisible | NVK & Francis Pouliot

17 snips

Mar 10, 2026

Guest

Francis Pouliot

Guest

NVK

Francis Pouliot, CEO of Bull Bitcoin and builder of Bull Wallet, focused on private payments and infrastructure. NVK, founder of Coinkite and creator of Coldcard, expert in secure self‑custody and firmware. They explore silent payments, async pay join, Nostr disposable identities, UTXO management, network‑level privacy tools, BIP322 proofs, and why higher pay‑join adoption could disrupt chain analysis.

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ADVICE

Do Not Share Your XPUB With Third Parties

Never give an exchange your xpub; it reveals your entire balance and transaction history.
Bull Bitcoin refuses xpub collection for DCA because KYC plus xpub equals full doxing of a user's stash.

INSIGHT

Silent Payments Solve Merchant XPUB Leaks

Silent payments into Wasabi would let merchant carts receive private on-chain funds without exposing XPUBs or linking receipts.
Francis envisions dynamic Wasabi addresses per merchant invoice to preserve business privacy and security.

ADVICE

Use Disposable Nostr Identities

Use disposable Nostr identities for payments and messaging rather than persistent keys.
Francis recommends generating throwaway Nostr keys (BIP85-style) to avoid long-term linkability and forward-privacy problems.

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