I can pay any merchant from my e. Cash Wallet, if you have a lightning address.
I can send you e-cash. ecash is just a token stored on your phone, so when you initiate a transaction from ECash wallet, you're just asking the mint to do the lightning transaction on your behalf. That's why it's private.
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...so much for no 3rd party.
๐คท๐ฝโโ๏ธ