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fix(approach): cover the broader Private Payments use case as an explicit variant - #220

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Darkjay123:payments-variant
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Darkjay123 wants to merge 1 commit into
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Darkjay123:payments-variant

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@Darkjay123 Darkjay123 commented Nov 15, 2026 •

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Completes the extension list in issue #138 for this card: the broader Private Payments use case becomes an explicit variant.

What changes

  • approaches/approach-private-payments.md: related_use_cases gains private-payments, and a new Variants subsection under Problem framing maps non-stablecoin rails onto the existing sub-approaches with pattern differences called out: bank deposits and tokenized deposits move the off-ramp boundary from issuer redemption to the issuing bank's ledger, Private ISO 20022 carries message-level privacy toward traditional rails, CBDC deployments trade commercial issuer incentives for central-bank policy over the same shielded-pool or privacy-L2 mechanics. Consumer retail adds merchant acceptance and chargeback paths the shielded-pool sub-approaches do not address.
  • use-cases/private-payments.md already links this card, so no change is needed there.
  • CHANGELOG.md: [Unreleased] entry.

Checks

The Vale prose gate passes locally on the edited card and all four CI checks are green on this PR.

With this and the four new approach cards in #216-#219, every use case in issue #138's list links to at least one approach.

Part of #138.

…icit variant

Per the extension list in issue ethsystems#138: map non-stablecoin rails, CBDC and
traditional payment integration onto the existing sub-approaches with
pattern differences called out; extend related_use_cases.
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