Banks are required to make reasonable assumptions based on the transaction history they have. When you use Bitcoin, you are giving them extra transaction history. Unless you're using BOLT12 or whatever. And then you are, arguably, doing an overt act of money laundering, which is information in itself.
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Yes, and again, Monero is also an overt act of money laundering at a protocol level. I will conceed the fungibility argument. I just can't understand the tainted coins take as a point for Monero. But hopefully we'll just use peer to peer shit and it won't matter anymore.