Good morning darosior,

Subject of the email looks interesting and I have few comments on the things 
shared:

> The part of Revault we are interested in for this study is the delegation 
> process, and more specifically the application of spending policies by 
> network monitors (watchtowers). Participants regularly exchange the Cancel 
> transaction signatures for each deposit, sharing the signatures with the 
> watchtowers they operate.Watchtowers can enforce spending policies (say, 
> can't Unvault outside of business hours) by having the Cancel transaction be 
> confirmed before the expiration of the timelock.

What are the privacy issues associated with such watchtowers?

> ## 4. We are still betting on future feerate
The problem is still missing one more constraint. "Ensuring confirmation at any 
time" involves ensuring confirmation at *any* feerate, which you *cannot* do.

Agree

> historical feerate: We currently use the maximum of the 95th percentiles over 
> 90-days windows over historical block chain
feerates.

Disagree that fee rates used in past should matter.

> Apart from judging that 500sat/vb is probably more reasonable than 
> 10sat/vbyte, this unfortunately sounds pretty much crystal-ball-driven.

Agree

> ## 7. Bumping and re-bumping
First of all, when to fee-bump? At fixed time intervals? At each block 
connection? It sounds like, given a large enough timelock, you could try to 
greed by "trying your luck" at a lower feerate and only re-bumping every N 
blocks. You would then start aggressively bumping at every block after M blocks 
have passed.

Agree

> You probably want to base your estimates on `estimatesmartfee`

Disagree. `estimatesmartfee` RPC has few issues: 
https://github.com/bitcoin/bitcoin/pull/22722#issuecomment-901907447

> ## 9. Insurances
there is definitely room for an insurance market.

Agree. I think its possible using discreet log contracts with some trust 
assumptions and use of multi oracles.

I had one idea about creating insurance project for LGBTQ community in India as 
they don't have enough options like others. Have shared the details here: 
https://gist.github.com/prayank23/f30ab1ab68bffe6bcb2ceacec599cd36 
As final point, I guess you already know about this presentation by Jack 
Mallers in which he has described how we could create derivatives for users to 
hedge fees: https://youtu.be/rBCG0btUlTw

-- 
Prayank

A3B1 E430 2298 178F
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