Oy vey.

* BIP-47 has nothing to do with Samourai. Paynyms are a dumb centralized (and useless) directory of payment codes. Notification transactions do not require anything over a dust value to work.

The 15K fee is arbitrary, not explained to the user, and a simple grift. I'm not going to waste my time repeating this again.

* Samourai on Android leaks your xpub by default. You can try to weasel your way out of that by claiming they push for Dojo but that doesn't excuse the behavior when you don't. They can easily use either Electrum servers or literally anything else for a minimal privacy loss instead of sending the xpub over and doxxing all future transactions for perpetuity (and fucking over all Whirlpool participants).

And no, Ledger Live stores your xpub locally, and only queries addresses n+x to fetch your transactions. It does not send your xpub over to Ledger at any point in time. The only privacy you lose is the current addresses with value + a small buffer of future addresses. Trezor sends your xpub just like Samourai. Electrum behaves the same way as Ledger Live in terms of privacy loss.

What is hilarious is that Ledger Live (!) by default has better privacy than Samourai's Android app without Dojo. And that Ledger live also allows you to setup satstack for complete privacy (just like setting up Dojo).

You have an insecure shit Samourai default or private through Dojo.

And a better default behavior from Ledger Live or private through satstack.

* Ricochet isn't a service, it's a scam. Stringing together a few pay-to-self transactions and charging a fee for.. checks notes.. nothing more than a basic local operation with zero Samourai coordination is a grift. This isn't explained to the users.

I'm wasting my time replying to you any further.