Also covering Payment pools and Coinpools

Joinpools are a construction that allows multiple users to trustlessly share ownership of a single UTXO. When funds are spent, it’s not possible to tell from the block chain which pool member (or members) spent the funds. Joinpools can use presigned transactions or proposed protocol features to ensure each member can unilaterally withdraw their funds from the pool at any time.

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Just-in-time (JIT) routing
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