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:
• x.com/SparrowWallet

• x.com/CraigRaw

• sparrowwallet.com

Stephan Livera links:
• Follow me on X:@stephanlivera (twitter.com/stephanlivera)

• Subscribe to the podcast (plinkhq.com/i/1415720320)

• Subscribe to Substack (stephanlivera.substack.com)