Recommend you check out Sparrow Wallet. It's by far the best wallet in terms of making the process understandable: https://www.sparrowwallet.com/docs/mixing-whirlpool.html#why-coinjoin

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That’s desktop only right? I use my phone 99% of the time

Ah yep, this is desktop only - can't speak to mobile CoinJoin wallets unfortunately. There's surely gotta be some options though - especially if you're using Android 🤔

As for having KYC Bitcoin, that's probably the best reason to do it.

As per Sparrow Wallet docs:

"The structure of this [CoinJoin] transaction makes it impossible to trace ownership of funds with any certainty. In addition, when several ‘rounds’ of coinjoins are made in sequence, the probability of an analysis drops significantly with each round."

Its worth setting up a “bitcoin computer” On Linux. Sparrow paired with core is fantastic