You took the words out of my mouth friend. See my other replies in the comments for further details, but if you are still in the research stage, research these: Haven Protocol and SCRT Network. Then read up on Thorchain too; while it is not private, the Thorchain team are big fans of privacy coins and want coins like Monero and Haven that don't have smart contracts to be CONNECTED so people can swap in between them permissionlessly, and also have direct access to the wider DeFi ecosystem if they choose, all with any need for banks or dinosaur centralized exchanges that will freeze or steal your funds.
Monero is the privacy king and is the gold standard for privacy tech and the most reputable, but the big new player that is rising is Haven Protocol. The reason Haven is so important is because they bring 2 big things to the table: a range of PRIVATE stablecoins to crypto for the first time ever such as xUSD and xEUR, and also the fact that they have a 100% self contained ecosystem, and can still operate even if ALL exchanges ban them! That is because they have a private, permissionless exchange built right into the wallet at the protocol level. It uses the same mint & burn system that Terra LUNA does: XHV is burned to create the private stablecoins, so not only do you get the advantage of keeping your savings in 100% private stablecoins, but as the popularity of private stablecoins grows, more and more XHV will be burned and increase the scarcity of the base currency/collateral asset. So more private stablecoins are minted and become more widely available for non-investors to simply save their money without any government snooping, AND those traders that wish to speculate also make greater profits: it is a win-win for both use cases.
If you have any questions, please feel free to let me know, I have been in the XHV community for about 7-8 months now and have learned a great deal about it over time.
Thanks for responding new friend :-)
I also HODL some SCRT and XHV, and yes understand how Haven works, which is why i bought some at a much higher price than now, and added some more recently at a lot lower price. I wish there was an option for a stable coin based on a personalisable basket of cryptos, so i could choose based on what i consume. So, i would for sure include some xEUR, but would also choose commodity based tokens, like food, fuel etc, and being able to %weight each one according to how much i consume. Maybe that makes sense, ask if not.
i wonder if Haven might be suitable for Fractally to be based upon. i suggested to @dan in a meeting this evening that he consider Verus and Lethean.
Peace man
Atma