Silent Payments as the next step forward | SLP748

In this episode, Craig Raw returns to discuss Sparrow’s Silent Payments and Frigate integration, where multisig UX stands in 2026, his thoughts on building Bitcoin wallet software solo, and the ongoing challenges of distribution and platform risk.

We discuss:

• Silent Payments and their impact on privacy and UX

• Platform risks and the importance of pragmatic development

• Standards and interoperability in Bitcoin wallets

• The future of multi-sig UX and hardware wallet support

• Cryptographic innovations like Frigate for scalable scanning

Timestamps:

00:00 - Intro and Apple’s Walled Garden

05:30 - Pragmatism in Bitcoin

06:30 - Silent Payments: A New Era for Bitcoin Transactions

08:40 - Biggest Challenge in Bitcoin Privacy today

12:03 - Why Address Re Use is so prevalent today

13:40 - Contrasting Silent Payments and Lightning Address

16:00 - The Benefits of Silent Payments Far Outweigh Incremental Complexity

19:00 - The Future if the Bitcoin Community Doesn’t Move on this

22:45 - Privacy vs Convenience

25:40 - Putting SP and Lightning Address together

28:30 - The Scanning Challenge for SP and Frigate

37:20 - Hardware Reqruirements for Frigate

41:00 - Can Hardware Wallets Support SP?

49:55 - Bitcoin Multi Sig in 2026

51:30 - Craig on Miniscript use - Inheritance, Timelocking

53:20 - Miniscript refresh privacy concern

55:30 - Miniscript for managed solutions

59:00 - Multi Sig Quorum Registration

1:01:00 - Mixed Vendor Multi Sig setups

1:04:00 - Wallet Labelling BIP

1:06:44 - Bitcoin Adoption: Balancing Purism and Pragmatism

1:09:00 - What to do about bad regulations or laws?

1:12:00 - Could Government Target Silent Payments?

1:13:39 - Sustainability of Sparrow Wallet Development

Links:

• https://x.com/SparrowWallet

• https://x.com/CraigRaw

• sparrowwallet.com

Stephan Livera links:

• Follow me on X: @stephanlivera

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