A method for managing an anonymous e-cash transaction includes receiving a request to withdraw a payment coin, generating a combination of random attributes for the payment coin, creating the payment coin based on the combination of attributes, and issuing the payment coin in exchange for a first asset. Each attribute of the combination of attributes may represent a different portion of a total value of the payment coin. A partially spent value of the payment coin may be based on a revealed subset of the combination of attributes. The method further includes creating a refund coin based on the combination of attributes and spending the refund coin to issue a refund having a value corresponding to an unspent portion of the payment coin. Each attribute of the combination of attributes of the refund coin may represent a different portion of a total value of the refund coin.
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