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Private Payments

The core use case​

You want to receive payments without revealing your wallet address. Maybe you're a freelancer who doesn't want clients seeing your balance. Maybe you're a DAO contributor who values financial privacy. Maybe you just don't want your entire transaction history attached to one public identifier.

SPECTER makes this work with three steps:

Real-world scenarios​

Freelancer payments​

Alice does contract work for three different companies. Without SPECTER, all three pay to 0xAlice, and each company can see what the others pay her.

With SPECTER, Alice shares her ENS name (alice.eth). Each company derives a different stealth address. No company can see payments from the others.

DAO contributor payroll​

A DAO pays 50 contributors monthly. On a public chain, every contributor's compensation is visible to everyone. With SPECTER, each payment goes to a unique stealth address. Contributors get paid privately.

Donations​

A charity accepts crypto donations. Donors want to be anonymous. With SPECTER, each donation goes to a different stealth address. The charity can still receive and track donations, but outside observers can't determine who donated what.

OTC trades​

Two parties want to settle an over-the-counter trade without broadcasting their relationship on-chain. SPECTER stealth addresses keep the counterparty link invisible to observers.

The payment flow​

01

Recipient sets up

Generate ML-KEM keys and publish your meta-address. Link it to your ENS name for easy discovery.

02

Sender resolves and pays

The sender resolves your name (or uses your meta-address directly), derives a stealth address, sends payment, and posts an announcement.

03

Recipient scans

You periodically scan the announcement registry. View tags filter out 99.6% of irrelevant announcements. When you find a match, you recover the private key for the stealth address.

04

Recipient spends

Import the derived private key into any Ethereum wallet. The funds are yours to spend like any normal transaction.

Multi-chain support​

The same meta-address produces valid stealth addresses on both Ethereum and Sui. The API returns both:

{
  "stealth_address": "0x...",          // Ethereum
  "stealth_sui_address": "0x...",      // Sui
  "ephemeral_ciphertext": "...",
  "view_tag": 42
}

Arbitrum, Base, and Optimism support is on the roadmap.

Name service integration​

Senders don't need to handle raw hex meta-addresses. SPECTER integrates with:

  • ENS (.eth names) on Ethereum
  • SuiNS (.sui names) on Sui

Read Name Services for setup details.

Try it now

Run the full payment flow against the live API.

Yellow private channels

Private payments meet private trading channels.