in the real world its not upto alice to pay charlie
I think indirectly, but it is. What about tipping the waiter?
alice should not be organising how much charlie gets paid, or ensuring charlie gets paid when bob sells an item, nor completely avoiding bob and just handing funds to charlie
yes we could change the economics of real world business transactions and interrogate all retailers spending to do payments for them
where instead of having price tags that are:
$300 [$285 + $15 (5%) sales tax] to become
$300 [$255 + $30 employee commission + $15 (5%) sales tax] where it cuts out the business from needing to later pay the employee
but the reality is when you buy a TV/PC from best-buy. you pay best-buy. .. the HR/accounting department of best-buy then pay an employee as a separate transaction at the end of the month
after all in most cases the customer does not know all of best-buys internal costs where best-buy pays out labour, bills, share dividends at the end of the month/year so its kinda impractical to interrogate the retailer about their future spending plans to reduce their transactions by you performing them for them
Note that the code can do a lot of good things. Which means, it is possible to write some code, that will allow transaction joining, and sending it later in a batched version to the network. And note that even though this kind of service meets the definition of the mixer, it is still allowed by the rules, if you don't control the funds of your users, or if you can meet any other condition, listed by theymos. There are many ways to do that.
much like mixing is mentioned in regulations.. so is coinjoining, tumbling, AEC, obfuscation
https://www.fatf-gafi.org/content/dam/fatf-gafi/guidance/Second-12-Month-Review-Revised-FATF-Standards-Virtual-Assets-VASPS.pdfThe market for anonymity-enhancing tools and methods is in rapid flux. For
example, several mixer/tumbler services have been taken offline following
enforcement action for operating as unregistered VASPs. Some VASPs have also
delisted AECs due to their ML/TF risks, which has reduced access to AECs.
Nonetheless, some AECs have seen increased adoption by darknet markets and
ransomware actors, while bitcoin or fiat currencies still seems to be the major
settlement methods. For example, while cybercriminals often require payment in
bitcoin, some ransomware operators have offered discounted rates to victims who
pay in AECs, likely to reduce transparency of payments. In addition, the last year has
seen significant increase in the use of privacy wallet transfers where multiple
people’s transactions are combined into a single transfer, such as CoinJoin. Overall,
the use of anonymity enhancements remains a key area of ML/TF concern.
currently "coinjoin" is not specifically on a list of things VASPS need to actually monitor/do things about officially/specifically. and its just something regulators recently are starting to learn about/discuss/have concerns. but soon enough they will add it to official guidance to monitor coinjoin users
the smarter trick is to go deeper in thought.. like "buy/sell game credit" where deposited coin is not same taint as withdrawn. but the service is advertising as a legit service of retail gaming. instead of promoting itself as "privacy" "coin cleaning" "mixing"
smart people can work out how to use legit services to their "privacy" advantage without needing it advertised as "privacy enhancing"
heck there were even the olden days where you deposit fiat into btc-e create a 'MT-Gox code' and using bitinstant reserves then use the code on mtgox to then withdraw through mtgox.. and that was not considered 'laundering' but instead 'arbitrage'. it was not advertised as "privacy enhancing. though many smart people knew the benefits of using the codes to "arbitrage" their way to different coin holdings
(bitinstant did not get shut down or charged due to its mtgox-btc-e code reserves.. it got shut down because the compliance officer was doing private trades with a drug dealer he had full knowledge about)
EG set up TWO services
a. a legitimate service people can buy 'game credit codes' (offering no withdrawal)
b. a legitimate service people can sell 'game credit codes' (offering no deposits)
thus each business cannot be considered a money service business/exchange. because individually they are retailers