Add private payment methods overview (#1068)

config/mkdocs.en.yml

@@ -92,6 +92,7 @@ nav:
     - Advanced Topics:
       - 'advanced/dns-overview.md'
       - 'advanced/tor-overview.md'
+      - 'advanced/payments.md'
       - 'advanced/communication-network-types.md'
     - kb-archive.md
   - Recommendations:
@@ -108,10 +109,12 @@ nav:
       - 'cloud.md'
       - 'dns.md'
       - 'email.md'
+      - 'financial-services.md'
       - 'search-engines.md'
       - 'vpn.md'
     - Software:
       - 'calendar.md'
+      - 'cryptocurrency.md'
       - 'data-redaction.md'
       - 'email-clients.md'
       - 'encryption.md'

config/mkdocs.fr.yml

@@ -92,6 +92,7 @@ nav:
     - "Sujets avancés":
       - 'advanced/dns-overview.md'
       - 'advanced/tor-overview.md'
+      - 'advanced/payments.md'
       - 'advanced/communication-network-types.md'
     - kb-archive.md
   - Recommandations:
@@ -108,10 +109,12 @@ nav:
       - 'cloud.md'
       - 'dns.md'
       - 'email.md'
+      - 'financial-services.md'
       - 'search-engines.md'
       - 'vpn.md'
     - "Logiciels":
       - 'calendar.md'
+      - 'cryptocurrency.md'
       - 'data-redaction.md'
       - 'email-clients.md'
       - 'encryption.md'

config/mkdocs.he.yml

@@ -96,6 +96,7 @@ nav:
     - "נושאים מתקדמים":
       - 'advanced/dns-overview.md'
       - 'advanced/tor-overview.md'
+      - 'advanced/payments.md'
       - 'advanced/communication-network-types.md'
     - kb-archive.md
   - "המלצות":
@@ -112,10 +113,12 @@ nav:
       - 'cloud.md'
       - 'dns.md'
       - 'email.md'
+      - 'financial-services.md'
       - 'search-engines.md'
       - 'vpn.md'
     - "תוכנה":
       - 'calendar.md'
+      - 'cryptocurrency.md'
       - 'data-redaction.md'
       - 'email-clients.md'
       - 'encryption.md'

config/mkdocs.nl.yml

@@ -92,6 +92,7 @@ nav:
     - Gevorderde onderwerpen:
       - 'advanced/dns-overview.md'
       - 'advanced/tor-overview.md'
+      - 'advanced/payments.md'
       - 'advanced/communication-network-types.md'
     - kb-archive.md
   - Recommendaties:
@@ -108,10 +109,12 @@ nav:
       - 'cloud.md'
       - 'dns.md'
       - 'email.md'
+      - 'financial-services.md'
       - 'search-engines.md'
       - 'vpn.md'
     - Software:
       - 'calendar.md'
+      - 'cryptocurrency.md'
       - 'data-redaction.md'
       - 'email-clients.md'
       - 'encryption.md'

docs/advanced/payments.md

@@ -0,0 +1,83 @@
+---
+title: Private Payments
+icon: material/hand-coin
+---
+There's a reason data about your buying habits is considered the holy grail of ad targeting: your purchases can leak a veritable treasure trove of data about you. Unfortunately, the current financial system is anti-privacy by design, enabling banks, other companies, and governments to easily trace transactions. Nevertheless, you have plenty of options when it comes to making payments privately.
+
+## Cash
+
+For centuries, **cash** has functioned as the primary form of private payment. Cash has excellent privacy properties in most cases, is widely accepted in most countries, and is **fungible**, meaning it is non-unique and completely interchangable.
+
+Cash payment laws vary by country. In the United States, special disclosure is required for cash payments over $10,000 to the IRS on [Form 8300](https://www.irs.gov/businesses/small-businesses-self-employed/form-8300-and-reporting-cash-payments-of-over-10000). The receiving business is required to ID verify the payee’s name, address, occupation, date of birth, and Social Security Number or other TIN (with some exceptions). Lower limits without ID such as $3,000 or less exist for exchanges and money transmission. Cash also contains serial numbers. These are almost never tracked by merchants, but they can be used by law enforcement in targeted investigations.
+
+Despite this, it’s typically the best option.
+
+## Prepaid Cards & Gift Cards
+
+It’s relatively simple to purchase gift cards and prepaid cards at most grocery stores and convenience stores with cash. Gift cards usually don’t have a fee, though prepaid cards often do, so pay close attention to these fees and expiry dates. Some stores may ask to see your ID at checkout to reduce fraud.
+
+Gift cards usually have limits of up to $200 per card, but some offer limits of up to $2,000 per card. Prepaid cards (eg: from Visa or Mastercard) usually have limits of up to $1,000 per card.
+
+Gift cards have the downside of being subject to merchant policies, which can have terrible terms and restrictions. For example, some merchants don’t accept payment in gift cards exclusively, or they may cancel the value of the card if they consider you to be a high-risk user. Once you have merchant credit, the merchant has a strong degree of control over this credit.
+
+Prepaid cards don’t allow cash withdrawals from ATMs or “peer-to-peer” payments in Venmo and similar apps.
+
+Cash remains the best option for in-person purchases for most people. Gift cards can be useful for the savings they bring. Prepaid cards can be useful for places that don’t accept cash. Gift cards and prepaid cards are easier to use online than cash, and they are easier to acquire with cryptocurrencies than cash.
+
+### Online Marketplaces
+
+If you have [cryptocurrency](../cryptocurrency.md), you can purchase gift cards with an online gift card marketplace. Some of these services offer ID verification options for higher limits, but they also allow accounts with just an email address. Basic limits start at $5,000-10,000 a day for basic accounts, and significantly higher limits for ID verified accounts (if offered).
+
+When buying gift cards online, there is usually a slight discount. Prepaid cards are usually sold online at face value or with a fee. If you buy prepaid cards and gift cards with cryptocurrencies, you should strongly prefer to pay with Monero which provides strong privacy, more on this below. Paying for a gift card with a traceable payment method negates the benefits a gift card can provide when purchased with cash or Monero.
+
+- [Online Gift Card Marketplaces :material-arrow-right-drop-circle:](../financial-services.md#gift-card-marketplaces)
+
+## Virtual Cards
+
+Another way to protect your information from merchants online is to use virtual, single-use cards which mask your actual banking or billing information. This is primarily useful for protecting you from merchant data breaches, less sophisticated tracking or purchase correlation by marketing agencies, and online data theft. They do **not** assist you in making a purchase completely anonymously, nor do they hide any information from the banking institution themselves. Regular financial institutions which offer virtual cards are subject to "Know Your Customer" (KYC) laws, meaning they may require your ID or other identifying information.
+
+- [Recommended Payment Masking Services :material-arrow-right-drop-circle:](../financial-services.md#payment-masking-services)
+
+These tend to be good options for recurring/subscription payments online, while prepaid gift cards are preferred for one-time transactions.
+
+## Cryptocurrency
+
+Cryptocurrencies are a digital form of currency designed to work without central authorities such as a government or bank. While *some* cryptocurrency projects can allow you to make private transactions online, many use a public blockchain which does not provide any transaction privacy. Cryptocurrencies also tend to be very volatile assets, meaning their value can change rapidly and significantly at any time. As such, we generally don't recommend using cryptocurrency as a long-term store of value. If you decide to use cryptocurrency online, make sure you have a full understanding of its privacy aspects beforehand, and only invest amounts which would not be disastrous to lose.
+
+!!! danger
+
+    The vast majority of cryptocurrencies operate on a **public** blockchain, meaning that every transaction is public knowledge. This includes even most well-known cryptocurrencies like Bitcoin and Ethereum. Transactions with these cryptocurrencies should not be considered private and will not protect your anonymity.
+
+    Additionally, many if not most cryptocurrencies are scams. Make transactions carefully with only projects you trust.
+
+### Privacy Coins
+
+There are a number of cryptocurrency projects which purport to provide privacy by making transactions anonymous. We recommend using one which provides transaction anonymity **by default** to avoid operational errors.
+
+- [Recommended Cryptocurrency :material-arrow-right-drop-circle:](../cryptocurrency.md#coins)
+
+Privacy coins have been subject to increasing scrutiny by government agencies. In 2020, [the IRS published a $625,000 bounty](https://www.forbes.com/sites/kellyphillipserb/2020/09/14/irs-will-pay-up-to-625000-if-you-can-crack-monero-other-privacy-coins/?sh=2e9808a085cc) for tools which can break Bitcoin Lightning Network and/or Monero's transaction privacy. They ultimately [paid two companies](https://sam.gov/opp/5ab94eae1a8d422e88945b64181c6018/view) (Chainalysis and Integra Fec) a combined $1.25 million for tools which purport to do so (it is unknown which cryptocurrency network these tools target). Due to the secrecy surrounding tools like these, ==none of these methods of tracing cryptocurrencies have been independently confirmed.== It is quite likely that tools which assist targeted investigations into private coin transactions exist, and that privacy coins only succeed in thwarting mass surveillance.
+
+### Other Coins (Bitcoin, Ethereum, etc.)
+
+The vast majority of cryptocurrency projects use a public blockchain, meaning that all transactions are both easily traceable and permanent. As such, we strongly discourage the use of most cryptocurrency for privacy-related reasons.
+
+Anonymous transactions on a public blockchain are *theoretically* possible, and the Bitcoin wiki [gives one example of a "completely anonymous" transaction](https://en.bitcoin.it/wiki/Privacy#Example_-_A_perfectly_private_donation). However, doing so requires a complicated setup involving Tor and "solo-mining" a block to generate completely independent cryptocurrency, a practice which has not been practical for nearly any enthusiast for many years.
+
+==Your best option is to avoid these cryptocurrencies entirely and stick with one which provides privacy by default.== Attempting to use other cryptocurrency is outside the scope of this site and strongly discouraged.
+
+### Wallet Custody
+
+With cryptocurrency there are two forms of wallets: custodial wallets and noncustodial wallets. Custodial wallets are operated by centralized companies/exchanges, where the private key for your wallet is held by that company, and you can access them anywhere typically with a regular username and password. Noncustodial wallets are wallets where you control and manage the private keys to access it. Assuming you keep your wallet's private keys secured and backed up, noncustodial wallets provide greater security and censorship-resistance over custodial wallets, because your cryptocurrency can't be stolen or frozen by a company with custody over your private keys. Key custody is especially important when it comes to privacy coins: Custodial wallets grant the operating company the ability to view your transactions, negating the privacy benefits of those cryptocurrencies.
+
+### Acquisition
+
+Acquiring [cryptocurrencies](../cryptocurrency.md) like Monero privately can be difficult. P2P marketplaces like [LocalMonero](https://localmonero.co/), a platform which facilitates trades between people, are one option that can be used. If using an exchange which requires KYC is an acceptable risk for you as long as subsequent transactions can't be traced, a much easier option is to purchase Monero on an exchange like [Kraken](https://kraken.com/), or purchase Bitcoin/Litecoin from a KYC exchange which can then be swapped for Monero. Then, you can withdraw the purchased Monero to your own noncustodial wallet to use privately from that point forward.
+
+If you go this route, make sure to purchase Monero at different times and in different amounts than where you will spend it. If you purchase $5000 of Monero at an exchange and make a $5000 purchase in Monero an hour later, those actions could potentially be correlated by an outside observer regardless of which path the Monero took. Staggering purchases and purchasing larger amounts of Monero in advance to later spend on multiple smaller transactions can avoid this pitfall.
+
+## Additional Considerations
+
+When you're making a payment in-person with cash, make sure to keep your in-person privacy in mind. Security cameras are ubiquitous. Consider wearing non-distinct clothing and a face mask (such as a surgical mask or N95). Don’t sign up for rewards programs or provide any other information about yourself.
+
+When purchasing online, ideally you should do so over [Tor](tor-overview.md). However, many merchants don’t allow purchases with Tor. You can consider using a [recommended VPN](../vpn.md) (paid for with cash, gift card, or Monero), or making the purchase from a coffee shop or library with free Wi-Fi. If you are ordering a physical item that needs to be delivered, you will need to provide a delivery address. You should consider using a PO box, private mailbox, or work address.

docs/android.md

@@ -13,8 +13,9 @@ The **Android Open Source Project** is an open-source mobile operating system le
 
 These are the Android operating systems, devices, and apps we recommend to maximize your mobile device's security and privacy. To learn more about Android:
 
-- [General Android Overview :material-arrow-right-drop-circle:](os/android-overview.md)
+[General Android Overview :material-arrow-right-drop-circle:](os/android-overview.md){ .md-button }
-- [Why we recommend GrapheneOS over CalyxOS :material-arrow-right-drop-circle:](https://blog.privacyguides.org/2022/04/21/grapheneos-or-calyxos/)
+
+[Why we recommend GrapheneOS over CalyxOS :material-arrow-right-drop-circle:](https://blog.privacyguides.org/2022/04/21/grapheneos-or-calyxos/){ .md-button }
 
 ## AOSP Derivatives
 

docs/cryptocurrency.md

@@ -0,0 +1,53 @@
+---
+title: Cryptocurrency
+icon: material/bank-circle
+---
+
+Making payments online is one of the biggest challenges to privacy. These cryptocurrencies provide transaction privacy by default (something which is **not** guaranteed by the majority of cryptocurrencies), provided you have a strong understanding of how to make private payments effectively. We strongly encourage you first read our payments overview article before making any purchases:
+
+[Making Private Payments :material-arrow-right-drop-circle:](advanced/payments.md){ .md-button }
+
+!!! danger
+
+    Many if not most cryptocurrency projects are scams. Make transactions carefully with only projects you trust.
+
+## Monero
+
+!!! recommendation
+
+    ![Monero logo](assets/img/cryptocurrency/monero.svg){ align=right }
+
+    **Monero** uses a blockchain with privacy-enhancing technologies that obfuscate transactions to achieve anonymity. Every Monero transaction hides the transaction amount, sending and receiving addresses, and source of funds without any hoops to jump through, making it an ideal choice for cryptocurrency novices.
+
+    [:octicons-home-16: Homepage](https://www.getmonero.org/){ .md-button .md-button--primary }
+    [:octicons-info-16:](https://www.getmonero.org/resources/user-guides/){ .card-link title=Documentation}
+    [:octicons-code-16:](https://github.com/monero-project/monero){ .card-link title="Source Code" }
+    [:octicons-heart-16:](https://www.getmonero.org/get-started/contributing/){ .card-link title=Contribute }
+
+With Monero, outside observers cannot decipher addresses trading Monero, transaction amounts, address balances, or transaction histories.
+
+For optimal privacy, make sure to use a noncustodial wallet where the view key stays on the device. This means that only you will have the ability to spend your funds and see incoming and outgoing transactions. If you use a custodial wallet, the provider can see **everything** you do; if you use a “lightweight” wallet where the provider retains your private view key, the provider can see almost everything you do. Some noncustodial wallets include:
+
+- [Official Monero client](https://getmonero.org/downloads) (Desktop)
+- [Cake Wallet](https://cakewallet.com/) (iOS, Android)
+    - Cake Wallet supports multiple cryptocurrencies. A Monero-only version of Cake Wallet is available at [Monero.com](https://monero.com/).
+- [Feather Wallet](https://featherwallet.org/) (Desktop)
+- [Monerujo](https://www.monerujo.io/) (Android)
+
+For maximum privacy (even with a noncustodial wallet), you should run your own Monero node. Using another person’s node will expose some information to them, such as the IP address that you connect to it from, the timestamps that you sync your wallet, and the transactions that you send from your wallet (though no other details about those transactions). Alternatively, you can connect to someone else’s Monero node over Tor or i2p.
+
+In August 2021, CipherTrace [announced](https://finance.yahoo.com/news/ciphertrace-announces-enhanced-monero-tracing-160000275.html) enhanced Monero tracing capabilities for government agencies. Public postings show that the US Department of the Treasury's Financial Crimes Enforcement Network [licensed](https://sam.gov/opp/d12cbe9afbb94ca68006d0f006d355ac/view) CipherTrace's "Monero Module" in late 2022.
+
+Monero transaction graph privacy is limited by its relatively small ring signatures, especially against targeted attacks. Monero's privacy features have also been [called into question](https://web.archive.org/web/20180331203053/https://www.wired.com/story/monero-privacy/) by some security researchers, and a number of severe vulnerabilities have been found and patched in the past, so the claims made by organizations like CipherTrace are not out of the question. While it's unlikely that Monero mass surveillance tools exist like they do for Bitcoin and others, it's certain that tracing tools assist with targeted investigations.
+
+Ultimately, Monero is the strongest contender for a privacy-friendly cryptocurrency, but its privacy claims have **not** been definitively proven one way or the other. More time and research is needed to assess whether Monero is resilient enough to attacks to always provide adequate privacy.
+
+## Criteria
+
+**Please note we are not affiliated with any of the projects we recommend.** In addition to [our standard criteria](about/criteria.md), we have developed a clear set of requirements to allow us to provide objective recommendations. We suggest you familiarize yourself with this list before choosing to use a project, and conduct your own research to ensure it's the right choice for you.
+
+!!! example "This section is new"
+
+    We are working on establishing defined criteria for every section of our site, and this may be subject to change. If you have any questions about our criteria, please [ask on our forum](https://discuss.privacyguides.net/latest) and don't assume we didn't consider something when making our recommendations if it is not listed here. There are many factors considered and discussed when we recommend a project, and documenting every single one is a work-in-progress.
+
+- Cryptocurrency must provide private/untraceable transactions by default.

docs/dns.md

@@ -3,11 +3,9 @@ title: "DNS Resolvers"
 icon: material/dns
 ---
 
-!!! question "Should I use encrypted DNS?"
-
 Encrypted DNS with third-party servers should only be used to get around basic [DNS blocking](https://en.wikipedia.org/wiki/DNS_blocking) when you can be sure there won't be any consequences. Encrypted DNS will not help you hide any of your browsing activity.
 
-    [Learn more about DNS](advanced/dns-overview.md){ .md-button }
+[Learn more about DNS :material-arrow-right-drop-circle:](advanced/dns-overview.md){ .md-button }
 
 ## Recommended Providers
 

docs/email.md

@@ -54,7 +54,7 @@ Proton Mail has internal crash reports that they **do not** share with third par
 
 ??? success "Private Payment Methods"
 
-    Proton Mail [accepts](https://proton.me/support/payment-options) Bitcoin and cash by mail in addition to standard credit/debit card and PayPal payments.
+    Proton Mail [accepts](https://proton.me/support/payment-options) cash by mail in addition to standard credit/debit card, [Bitcoin](advanced/payments.md#other-coins-bitcoin-ethereum-etc), and PayPal payments.
 
 ??? success "Account Security"
 
@@ -104,9 +104,9 @@ Proton Mail has internal crash reports that they **do not** share with third par
 
     Mailbox.org lets you use your own domain, and they support [catch-all](https://kb.mailbox.org/display/MBOKBEN/Using+catch-all+alias+with+own+domain) addresses. Mailbox.org also supports [subaddressing](https://kb.mailbox.org/display/BMBOKBEN/What+is+an+alias+and+how+do+I+use+it), which is useful if you don't want to purchase a domain.
 
-??? info "Private Payment Methods"
+??? check "Private Payment Methods"
 
-    Mailbox.org doesn't accept Bitcoin or any other cryptocurrencies as a result of their payment processor BitPay suspending operations in Germany. However, they do accept Cash by mail, cash payment to bank account, bank transfer, credit card, PayPal and couple of German-specific processors: paydirekt and Sofortüberweisung.
+    Mailbox.org doesn't accept any cryptocurrencies as a result of their payment processor BitPay suspending operations in Germany. However, they do accept Cash by mail, cash payment to bank account, bank transfer, credit card, PayPal and couple of German-specific processors: paydirekt and Sofortüberweisung.
 
 ??? success "Account Security"
 
@@ -161,7 +161,7 @@ Proton Mail has internal crash reports that they **do not** share with third par
 
 ??? warning "Private Payment Methods"
 
-    StartMail accepts Visa, MasterCard, American Express and Paypal. StartMail also has other [payment options](https://support.startmail.com/hc/en-us/articles/360006620637-Payment-methods) such as Bitcoin (currently only for Personal accounts) and SEPA Direct Debit for accounts older than a year.
+    StartMail accepts Visa, MasterCard, American Express and Paypal. StartMail also has other [payment options](https://support.startmail.com/hc/en-us/articles/360006620637-Payment-methods) such as [Bitcoin](advanced/payments.md#other-coins-bitcoin-ethereum-etc) (currently only for Personal accounts) and SEPA Direct Debit for accounts older than a year.
 
 ??? success "Account Security"
 
@@ -223,9 +223,9 @@ Tutanota doesn't support the [IMAP protocol](https://tutanota.com/faq/#imap) or
 
     Paid Tutanota accounts can use up to 5 [aliases](https://tutanota.com/faq#alias) and [custom domains](https://tutanota.com/faq#custom-domain). Tutanota doesn't allow for [subaddressing (plus addresses)](https://tutanota.com/faq#plus), but you can use a [catch-all](https://tutanota.com/howto#settings-global) with a custom domain.
 
-??? warning "Private Payment Methods"
+??? info "Private Payment Methods"
 
-    Tutanota only directly accepts credit cards and PayPal, however Bitcoin and Monero can be used to purchase gift cards via their [partnership](https://tutanota.com/faq/#cryptocurrency) with Proxystore.
+    Tutanota only directly accepts credit cards and PayPal, however [cryptocurrency](cryptocurrency.md) can be used to purchase gift cards via their [partnership](https://tutanota.com/faq/#cryptocurrency) with Proxystore.
 
 ??? success "Account Security"
 
@@ -413,7 +413,7 @@ We prefer our recommended providers to collect as little data as possible.
 
 **Best Case:**
 
-- Accepts Bitcoin, cash, and other forms of cryptocurrency and/or anonymous payment options (gift cards, etc.)
+- Accepts [anonymous payment options](advanced/payments.md) ([cryptocurrency](cryptocurrency.md), cash, gift cards, etc.)
 
 ### Security
 

docs/financial-services.md

@@ -0,0 +1,92 @@
+---
+title: Financial Services
+icon: material/bank
+---
+
+Making payments online is one of the biggest challenges to privacy. These services can assist you in protecting your privacy from merchants and other trackers, provided you have a strong understanding of how to make private payments effectively. We strongly encourage you first read our payments overview article before making any purchases:
+
+[Making Private Payments :material-arrow-right-drop-circle:](advanced/payments.md){ .md-button }
+
+## Payment Masking Services
+
+There are a number of services which provide "virtual debit cards" which you can use with online merchants without revealing your actual banking or billing information in most cases. It's important to note that these financial services are **not** anonymous and are subject to "Know Your Customer" (KYC) laws and may require your ID or other identifying information. These services are primarily useful for protecting you from merchant data breaches, less sophisticated tracking or purchase correlation by marketing agencies, and online data theft; and **not** for making a purchase completely anonymously.
+
+!!! tip "Check your current bank"
+
+    Many banks and credit card providers offer native virtual card functionality. If you use one which provides this option already, you should use it over the following recommendations in most cases. That way you are not trusting multiple parties with your personal information.
+
+### Privacy.com (US, Free)
+
+!!! recommendation
+
+    ![Privacy.com logo](assets/img/financial-services/privacy_com.svg#only-light){ align=right }
+    ![Privacy.com logo](assets/img/financial-services/privacy_com-dark.svg#only-dark){ align=right }
+
+    **Privacy.com**'s free plan allows you to create up to 12 virtual cards per month, set spend limits on those cards, and shut off cards instantly.
+
+    [:octicons-home-16: Homepage](https://privacy.com){ .md-button .md-button--primary }
+    [:octicons-eye-16:](https://privacy.com/privacy-policy){ .card-link title="Privacy Policy" }
+    [:octicons-info-16:](https://support.privacy.com/hc/en-us){ .card-link title=Documentation}
+
+### MySudo (US, Paid)
+
+!!! recommendation
+
+    ![MySudo logo](assets/img/financial-services/mysudo.svg#only-light){ align=right }
+    ![MySudo logo](assets/img/financial-services/mysudo-dark.svg#only-dark){ align=right }
+
+    **MySudo** provides up to 9 virtual cards depending on the plan you purchase. Their paid plans additionally include functionality which may be useful for making purchases privately, such as virtual phone numbers and email addresses, although we typically recommend other [email aliasing providers](email.md) for extensive email aliasing use.
+
+    [:octicons-home-16: Homepage](https://mysudo.com/){ .md-button .md-button--primary }
+    [:octicons-eye-16:](https://anonyome.com/privacy-policy/){ .card-link title="Privacy Policy" }
+    [:octicons-info-16:](https://support.mysudo.com/hc/en-us){ .card-link title=Documentation}
+
+### Criteria
+
+**Please note we are not affiliated with any of the projects we recommend.** In addition to [our standard criteria](about/criteria.md), we have developed a clear set of requirements to allow us to provide objective recommendations. We suggest you familiarize yourself with this list before choosing to use a project, and conduct your own research to ensure it's the right choice for you.
+
+!!! example "This section is new"
+
+    We are working on establishing defined criteria for every section of our site, and this may be subject to change. If you have any questions about our criteria, please [ask on our forum](https://discuss.privacyguides.net/latest) and don't assume we didn't consider something when making our recommendations if it is not listed here. There are many factors considered and discussed when we recommend a project, and documenting every single one is a work-in-progress.
+
+- Allows the creation of multiple cards which function as a shield between the merchant and your personal finances.
+- Cards must not require you to provide accurate billing address information to the merchant.
+
+## Gift Card Marketplaces
+
+These services allow you to purchase gift cards for a variety of merchants online with [cryptocurrency](cryptocurrency.md). Some of these services offer ID verification options for higher limits, but they also allow accounts with just an email address. Basic limits typically start at $5,000-10,000 a day for basic accounts, and significantly higher limits for ID verified accounts (if offered).
+
+### Cake Pay
+
+!!! recommendation
+
+    ![CakePay logo](assets/img/financial-services/cakepay.svg){ align=right }
+
+    **Cake Pay** allows you to purchase gift cards and related products with Monero. Purchases for USA merchants are available in the Cake Wallet mobile app, while the Cake Pay web app includes a broad selection of global merchants.
+
+    [:octicons-home-16: Homepage](https://cakepay.com/){ .md-button .md-button--primary }
+    [:octicons-eye-16:](https://ionia.docsend.com/view/jhjvdn7qq7k3ukwt){ .card-link title="Privacy Policy" }
+    [:octicons-info-16:](https://guides.cakewallet.com/){ .card-link title=Documentation}
+
+### CoinCards
+
+!!! recommendation
+
+    ![CakePay logo](assets/img/financial-services/coincards.svg){ align=right }
+
+    **CoinCards** (available in the US, Canada, and UK) allows you to purchase gift cards for a large variety of merchants.
+
+    [:octicons-home-16: Homepage](https://coincards.com/){ .md-button .md-button--primary }
+    [:octicons-eye-16:](https://coincards.com/privacy-policy/){ .card-link title="Privacy Policy" }
+    [:octicons-info-16:](https://coincards.com/frequently-asked-questions/){ .card-link title=Documentation}
+
+### Criteria
+
+**Please note we are not affiliated with any of the projects we recommend.** In addition to [our standard criteria](about/criteria.md), we have developed a clear set of requirements to allow us to provide objective recommendations. We suggest you familiarize yourself with this list before choosing to use a project, and conduct your own research to ensure it's the right choice for you.
+
+!!! example "This section is new"
+
+    We are working on establishing defined criteria for every section of our site, and this may be subject to change. If you have any questions about our criteria, please [ask on our forum](https://discuss.privacyguides.net/latest) and don't assume we didn't consider something when making our recommendations if it is not listed here. There are many factors considered and discussed when we recommend a project, and documenting every single one is a work-in-progress.
+
+- Accepts payment in [a recommended cryptocurrency](cryptocurrency.md).
+- No ID requirement.

docs/tools.md

@@ -84,7 +84,7 @@ For more details about each project, why they were chosen, and additional tips o
 
 <div class="grid cards" markdown>
 
-- ![Aurora Store logo](/assets/img/android/aurora-store.webp){ .twemoji } [Aurora Store (Google Play Client)](android.md#aurora-store)
+- ![Aurora Store logo](assets/img/android/aurora-store.webp){ .twemoji } [Aurora Store (Google Play Client)](android.md#aurora-store)
 - ![Shelter logo](assets/img/android/mini/shelter.svg){ .twemoji } [Shelter (Work Profiles)](android.md#shelter)
 - ![Auditor logo](assets/img/android/auditor.svg#only-light){ .twemoji }![GrapheneOS logo](assets/img/android/auditor-dark.svg#only-dark){ .twemoji } [Auditor (Supported Devices)](android.md#auditor)
 - ![Secure Camera logo](assets/img/android/secure_camera.svg#only-light){ .twemoji }![Secure Camera logo](assets/img/android/secure_camera-dark.svg#only-dark){ .twemoji } [Secure Camera](android.md#secure-camera)
@@ -199,6 +199,29 @@ We [recommend](dns.md#recommended-providers) a number of encrypted DNS servers b
 
 [Learn more :material-arrow-right-drop-circle:](email.md#self-hosting-email)
 
+### Financial Services
+
+#### Payment Masking Services
+
+<div class="grid cards" markdown>
+
+- ![Privacy.com logo](assets/img/financial-services/privacy_com.svg#only-light){ .twemoji }![Privacy.com logo](assets/img/financial-services/privacy_com-dark.svg#only-dark){ .twemoji } [Privacy.com](financial-services.md#privacycom-us-free)
+- ![MySudo logo](assets/img/financial-services/mysudo.svg#only-light){ .twemoji }![MySudo logo](assets/img/financial-services/mysudo-dark.svg#only-dark){ .twemoji } [MySudo](financial-services.md#mysudo-us-paid)
+</div>
+
+[Learn more :material-arrow-right-drop-circle:](financial-services.md#payment-masking-services)
+
+#### Online Gift Card Marketplaces
+
+<div class="grid cards" markdown>
+
+- ![Cake Pay logo](assets/img/financial-services/cakepay.svg){ .twemoji } [Cake Pay](financial-services.md#cake-pay)
+- ![CoinCards logo](assets/img/financial-services/coincards.svg){ .twemoji } [CoinCards](financial-services.md#coincards)
+
+</div>
+
+[Learn more :material-arrow-right-drop-circle:](financial-services.md#gift-card-marketplaces)
+
 ### Search Engines
 
 <div class="grid cards" markdown>
@@ -247,6 +270,16 @@ We [recommend](dns.md#recommended-providers) a number of encrypted DNS servers b
 
 [Learn more :material-arrow-right-drop-circle:](calendar.md)
 
+### Cryptocurrency
+
+<div class="grid cards" markdown>
+
+- ![Monero logo](assets/img/cryptocurrency/monero.svg){ .twemoji }[Monero](cryptocurrency.md#monero)
+
+</div>
+
+[Learn more :material-arrow-right-drop-circle:](cryptocurrency.md)
+
 ### Data and Metadata Redaction
 
 <div class="grid cards" markdown>

docs/tor.md

@@ -15,13 +15,7 @@ The **Tor** network is a group of volunteer-operated servers that allows you to
 
 Tor works by routing your internet traffic through those volunteer-operated servers, instead of making a direct connection to the site you're trying to visit. This obfuscates where the traffic is coming from, and no server in the connection path is able to see the full path of where the traffic is coming from and going to, meaning even the servers you are using to connect cannot break your anonymity.
 
-<figure markdown>
+[Detailed Tor Overview :material-arrow-right-drop-circle:](advanced/tor-overview.md){ .md-button }
-  ![Tor path](assets/img/how-tor-works/tor-path.svg#only-light)
-  ![Tor path](assets/img/how-tor-works/tor-path-dark.svg#only-dark)
-  <figcaption>Tor circuit pathway - Nodes in the path can only see the servers they are directly connected to, for example the "Entry" node shown can see your IP address, and the address of the "Middle" node, but has no way to see which website you are visiting.</figcaption>
-</figure>
-
-- [More information about how Tor works :material-arrow-right-drop-circle:](advanced/tor-overview.md)
 
 ## Connecting to Tor
 

docs/vpn.md

@@ -5,7 +5,7 @@ icon: material/vpn
 
 Find a no-logging VPN operator who isn’t out to sell or read your web traffic.
 
-??? danger "VPNs do not provide anonymity"
+!!! danger "VPNs do not provide anonymity"
 
     Using a VPN will **not** keep your browsing habits anonymous, nor will it add additional security to non-secure (HTTP) traffic.
 
@@ -15,11 +15,9 @@ Find a no-logging VPN operator who isn’t out to sell or read your web traffic.
 
     [Download Tor](https://www.torproject.org/){ .md-button .md-button--primary } [Tor Myths & FAQ](advanced/tor-overview.md){ .md-button }
 
-??? question "When are VPNs useful?"
-
 If you're looking for additional **privacy** from your ISP, on a public Wi-Fi network, or while torrenting files, a VPN may be the solution for you as long as you understand the risks involved.
 
-    [More Info](basics/vpn-overview.md){ .md-button }
+[Detailed VPN Overview :material-arrow-right-drop-circle:](basics/vpn-overview.md){ .md-button }
 
 ## Recommended Providers
 
@@ -66,7 +64,7 @@ Find a no-logging VPN operator who isn’t out to sell or read your web traffic.
 
 ??? success "Accepts Cash"
 
-    Proton VPN, in addition to accepting credit/debit cards and PayPal, accepts Bitcoin, and **cash/local currency** as anonymous forms of payment.
+    Proton VPN, in addition to accepting credit/debit cards, PayPal, and [Bitcoin](advanced/payments.md#other-coins-bitcoin-ethereum-etc), also accepts **cash/local currency** as an anonymous form of payment.
 
 ??? success "WireGuard Support"
 
@@ -255,13 +253,13 @@ We prefer our recommended providers to collect as little data as possible. Not c
 
 **Minimum to Qualify:**
 
-- Monero or cash payment option.
+- [Anonymous cryptocurrency](cryptocurrency.md) **or** cash payment option.
 - No personal information required to register: Only username, password, and email at most.
 
 **Best Case:**
 
-- Accepts Monero, cash, and other forms of anonymous payment options (gift cards, etc.)
+- Accepts multiple [anonymous payment options](advanced/payments.md).
-- No personal information accepted (autogenerated username, no email required, etc.)
+- No personal information accepted (autogenerated username, no email required, etc.).
 
 ### Security
 

theme/assets/img/cryptocurrency/monero.svg

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theme/assets/img/financial-services/mysudo.svg

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