04:59:43 <rehrar> Anyone who uses Signal is invited to download the new sticker pack: Isabella the Monero Girl https://signal.art/addstickers/#pack_id=313d44e0526bf3114680d2557d4e782c&pack_key=5a7dec3c23fe914670a0800df165a4c89dca267bae5ef5c450abe7a0058128a7
05:18:50 <sgp_> Sweet
05:19:28 <sgp_> Signal is amazing
05:20:01 <sarang> something something phone number
05:20:19 <dsc_> Will it run on my Nokia 3310?
05:44:08 <rehrar> wait!
05:44:22 <rehrar> Use this one instead: https://signal.art/addstickers/#pack_id=c7ddbbfc53c6d4a93fb9947626b8747b&pack_key=ac2999ee373b058fec9e41f1d7f6b4bc949815cc89f8868b1ab48615ca919c5f
05:44:33 <rehrar> the last one had a draft version of the cry sticker. This one is feature filled.
05:47:30 <kinghat> man i forgot how good tenacious d is
14:24:48 <asymptotically> binaryFate: do you run aeon.to?
14:25:18 <binaryFate> my company does yes
14:25:42 <binaryFate> not involved much myself
14:27:52 <asymptotically> oh nice, i just saw the post on reddit and noticed that it was very similar
14:28:19 <asymptotically> is it a bug that xmr.to is unusable in the UK, but aeon.to isn't?
14:28:24 <xmrwallet_xyz> Guys I released new MYmonero clone wallet ---> xmrwallet.xyz
14:28:59 <binaryFate> asymptotically not intended, thank you for reporting this
15:25:34 <sgp_> endogenic: hop in #monero-compliance
15:26:20 <sgp_> knowing "two-hop" or "customer's customer" does not ever suggest that this process needs to be done on-chain
15:26:34 <sgp_> nor does it suggest that on-chain surveillance is necessarily sufficient to meet this need
15:29:48 <xmrmatterbridge> <cankerwort> Is xmr.to blocked in any EU countries?
15:30:22 <xmrmatterbridge> <cankerwort> binaryFate: did you mean accidentally disabled in UK?
15:33:47 <xmrmatterbridge> <cankerwort> Also ToS for xmr.to says:
15:33:54 <xmrmatterbridge> <cankerwort> not located or resident in the United States, China, or any Blacklisted Jurisdictions (as defined below);
15:34:13 <xmrmatterbridge> <cankerwort> But never defines Blacklisted Jurisdictions
15:43:16 <dEBRUYNE> sgp_: What kind of process would be used off-chain then?
15:44:48 <sgp_> dEBRUYNE: first, keep in mind the context for all of these regulations: they were made with cash in mind
15:46:05 <sgp_> so knowing the customer's customer in that sense, if needed as a part of an enhanced customer due diligence (CDD) measure if risk risk is determined, could include the following depending on the circumstances (there is no clear "if this, then this" from the regulators):
15:46:28 <sgp_> it's "if maybe this, then maybe this"
15:46:46 <sgp_> bank statements, pay stubs, main contracts
15:47:02 <sgp_> first two are the most relevant for individuals
15:47:21 <sgp_> investment account statements
15:48:39 <sgp_> the process would involve manually collecting information about the source of funds and learning more about where they spend their money
15:48:50 <sgp_> on-chain can help with this of course
15:49:04 <dEBRUYNE> I see, and these kind of things would be helpful in case of Monero right?
15:49:32 <sgp_> but an individual's on-chain activity only shows so much about an Individual or Entity's entire financial dealings
15:50:15 <sgp_> yes, we have decades of compliance programs built to learn this info for cash
15:50:51 <sgp_> there are no additional restrictions on crypto from this perspective in the US (largest exception is the Bitlicense, but that doesn't have language that applies here)
15:51:25 <sgp_> it has language that is related to compliance, but it does not suggest on-chain is necessary to complete these objectives
15:51:48 <dEBRUYNE> So if I understand this correctly, if there is an XMR withdrawal or deposit that is determined high risk, the 'enhanced customer due diligence' could be invoked
15:52:04 <sgp_> yes absolutely, can happen with any asset
15:52:07 <dEBRUYNE> high risk or higher risk
15:52:50 <sgp_> in Parts 1010 and 1022
15:53:09 <sgp_> haha pasted in the wrong place, you have a preview of my ideas to come :p ^
15:54:34 <sgp_> The most relevant FinCEN regulations are parts 1010 and 1022
15:54:35 <sgp_> https://www.law.cornell.edu/cfr/text/31/part-1010
15:54:40 <sgp_> https://www.law.cornell.edu/cfr/text/31/part-1022
15:55:11 <sgp_> Whenever you see FinCEN guidance for crypto, it is effectively guidance on how to apply 1010 and 1022
15:56:13 <dEBRUYNE> Thanks, will read up on it
15:57:08 <sgp_> it's hard to read