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

Page: https://stenobird.com/podcast/btc-sessions-354141/silent-payments-pay-join-the-bitcoin-tech-making-you-invisible-nvk-francis-pouliot
Text version: https://stenobird.com/podcast/btc-sessions-354141/silent-payments-pay-join-the-bitcoin-tech-making-you-invisible-nvk-francis-pouliot.md
Podcast: [BTC Sessions](https://stenobird.com/podcast/btc-sessions-354141)
Published: 2026-03-10T16:27:45+00:00
Episode link: https://podcasters.spotify.com/pod/show/btcsessions/episodes/Silent-Payments--Pay-Join--the-Bitcoin-Tech-Making-You-Invisible--NVK--Francis-Pouliot-e3g79ks
Audio file: https://anchor.fm/s/11e95d20/podcast/play/116679772/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-2-10%2F419685194-44100-2-c8983eaada4a4.mp3
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JSON: https://stenobird.com/v1/public/podcasts/btc-sessions-354141/episodes/silent-payments-pay-join-the-bitcoin-tech-making-you-invisible-nvk-francis-pouliot
Duration seconds: 7639

## Resource

Mentor Sessions Ep. 056: Bitcoin Privacy Is At Risk (But These Fixes Are Coming) | NVK & Francis Pouliot Address reuse is silently destroying Bitcoin privacy—and most Bitcoiners have no idea how exposed they are. Coinkite founder NVK and Bull Bitcoin founder Francis Pouliot break down the most critical privacy vulnerabilities in Bitcoin today, why kidnappings tied to crypto wealth are surging across Europe (one every four days in France), and the technical solutions finally closing the gap. From silent payments and async pay join to BIP322 proof of reserves and UTXO management, this is the most comprehensive Bitcoin privacy conversation of 2025. Learn why giving your xpub to an exchange is catastrophic, how 5% pay join adoption could break chain analysis entirely, and why Nostr disposable identities may be the missing piece for private payments. If you hold Bitcoin, this episode could protect your life—not just your stack. About NVK: Founder of Coinkite, creators of the COLDCARD. 🐦 https://x.com/nvk | 🌐 https://coinkite.com About Francis Pouliot: CEO of Bull Bitcoin. 🐦 https://x.com/francispouliot_ | 🌐 https://bullbitcoin.com Chapters: 00:00:00 Teaser & Intro – Bitcoin Privacy Risks Are Real 00:01:05 Where Bitcoin Self-Custody Stands Today 00:03:32 Three Unsolved Bitcoin Problems: Privacy, Speed & Inheritance 00:05:46 The UX Problem: Aggregating Bitcoin Tools 00:08:16 Dangers of Single-Vendor Bitcoin Solutions 00:11:27 Silent Payments Explained: What They Are & Why They Matter 00:13:06 Async Pay Join & BIP77: Underused Privacy Tool 00:15:35 Why Receiving Silent Payments Is Hard 00:17:10 Nostr as a Payment Identity Layer 00:19:41 Disposable Identity: The Missing Privacy Piece 00:23:00 Silent Payments Into Wasabi: The Dream Flow 00:28:13 Why xpub Shar…

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