I'm not really sure the problem you're describing, but it sounds like something 
that affects normal bitcoin transactions as well.

There's certainly some interesting about the idea of "pre-fragmenting" your 
wallet utxo so you can make (or in payjoin: receive) payments with better 
privacy aspects.However, it's pretty unlikely to be practical for normal users, 
as it'll generally result in pretty big and cost-ineffective transactions.

In general though, there's like a 1000 different things you can do with coin 
selection, utxo management (and payjoin contributed input selection) but more 
often than not you are just making just making 1 trade off for another and good 
solutions will be wildly different depending on how you use your wallet.

-Ryan

‐‐‐‐‐‐‐ Original Message ‐‐‐‐‐‐‐
On Monday, March 18, 2019 3:55 AM, Kenshiro \[\] via bitcoin-dev 
<bitcoin-dev@lists.linuxfoundation.org> wrote:

> Hi,
>
> I think Payjoin can be a very good privacy solution for Bitcoin, but I have a 
> question about it:
>
> - If a user has 1 BTC in a single address and make a payjoin payment to other 
> person of 0.1 BTC using that address as input, the other person can see in a 
> blockchain explorer the change address with an amount of 0.9 BTC. That's a 
> serious privacy leak. I would like to know what will be the standard solution 
> to this issue. An easy fix could be that the user wallet check if any address 
> contains a BTC amount higher than a "safe" amount like 0.01 BTC or less. If 
> some address exceed that amount the wallet could automatically make 1 payment 
> to itself to split the amount in several addresses. In this way nobody 
> receiving a payment from a user will ever know that he has a bitcoin balance 
> higher than the "safe" amount.
>
> What do you think?
>
> Regards,
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