Privacy

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A place to discuss privacy and freedom in the digital world.

Privacy has become a very important issue in modern society, with companies and governments constantly abusing their power, more and more people are waking up to the importance of digital privacy.

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Seeking consumer privacy focused paypal alternative in the US, prefer FOSS if possible. Any suggestions? (lemm.ee)

submitted 3 weeks ago by davoid@lemm.ee to c/privacy@lemmy.ml

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I'd bet you can guess why

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[–] mox@lemmy.sdf.org 22 points 3 weeks ago* (last edited 3 weeks ago) (3 children)

There is no privacy-focused PayPal alternative in the US, in part because US money transfer laws and policies (e.g. Know Your Customer) directly oppose privacy.

However, there are a couple of new projects that might eventually lead to something less bad for privacy than PayPal is:

GNU Taler, if they ever get any exchanges, and they either figure out how to mitigate the high fees for wire transfers or use some other settlement method when people on different exchanges make small payments. (Their plan to use batch wire transfers won't help until the exchanges get a lot of adoption and frequent use. Of course, high fees discourage adoption and use, so this might not ever happen.)
FedNow, if banks ever use it to offer appealing person-to-person payment services instead of just using it for themselves and their business customers.

[–] shortwavesurfer@lemmy.zip 6 points 2 weeks ago (1 children)

Monero as the current fiat system becomes more and more untenable and people look for a solution not controlled by governments.

[–] mox@lemmy.sdf.org 3 points 2 weeks ago* (last edited 2 weeks ago) (1 children)

Cryptocurrencies are not reliably fungible, nor stable, nor widely accepted. They have their uses, but they are not suitable replacements for PayPal and not what OP asked for.

[–] shortwavesurfer@lemmy.zip 3 points 2 weeks ago

Monero is fungible and especially when using the one-year moving average is quite stable. The variance on either side of the moving average is about 15% and that will decrease as adoption occurs. I run a small store where I sell products for Monero at stable prices for three months in a row by using the moving average as my price point.

[–] davoid@lemm.ee 4 points 3 weeks ago

Taler looks like a cool project.

[–] davoid@lemm.ee 2 points 3 weeks ago

Thanks for the input