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this post was submitted on 07 Sep 2024
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Privacy
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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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As a sidenote here I have a different issue where handing people your CC info is basically handing out the private keys to your bank account to a third party.
I'd really like it if a credit card would use a public key system where you can verify that I have the funds and that the payment originates from the payment provider instead of getting my full CC details. I don't really see why it's necessary for a business to know who I am instead of just getting a green light from Mastercard or Visa to make the payment.
That's why I love virtual card systems like MB NET. You just generate a random virtual card for every purchase (or a recurring one for each subscription vendor, for example) and move on. Your bank still knows what you're doing, of course, but vendors can't correlate anything. Preventing your bank from knowing where you're spending your money is much harder, for very practical reasons: fraud detection. The only real way is to use a secure crypto coin like Monero, but very few places accept it and you still have to deal with volatility.
I think crypto has a lot of potential in this space. You can effectively have a wallet with cash that requires 2 factor auth to make the transaction that is anonymous in both directions.