The Mobile Wallet Tarpit
X Wallet
Privacy depends on uniform transactions
Beware the App Store watering hole attack
Hard forks damage the ecosystem
Privacy-first means money last
The X Wallet falls short of the ideal, but is an improvement over banking and most cryptocurrency apps.
Z Wallet
Stronger privacy against network attacks Shielded addresses by default Legal defense against watering hole attack Hard forks easier to manage Financed by the Zcash Foundation; privacy first The Z Wallet would be closer to the ideal cryptocurrency wallet.
One tiny issue...
...you have to write a new Zcash "lite" client
The goal is not software.
Money as email; sending cash in the mail Make policies transparent, predictable Stop discrimination in the financial system Offer equal access to the financial system Make surveillance of anyone not accused of a crime costly Mobile wallets are necessary but not sufficient.
Trade digital assets without counter party risk.
Realtime settlementConfidentialMaintain custodyNo front running