Account

Payments

Stealth handles, private recurring payments, shielded escrow, encrypted memos and invoicing: paying and getting paid without leaving a pattern on-chain.

Status: pre-launch. Noirpay is being built. This page describes the design as specified in the whitepaper; nothing on it is live on Robinhood Chain yet, and details can change before launch. See What's live today.

Stealth handles

Your handle is a human-readable name you can share anywhere. Each payment to it is delivered to a fresh, one-time stealth address derived from the handle, so:

• a shared handle can't be used to look up your balance;
• two payments to the same handle can't be linked to each other;
• the sender learns nothing about your other notes.

Incoming payments shield themselves on arrival.

Private recurring payments

Rent, retainers and subscriptions are the easiest thing to spot on a public chain: the same amount, to the same address, on the same day every month. Noirpay schedules them inside the pool. Each instalment goes to a fresh stealth address, from a consolidated note, with no repeating pattern on-chain.

Shielded escrow

For OTC blocks and freelance milestones. Funds are locked in escrow inside the pool; amount and counterparty stay hidden until release. Release conditions are agreed in the app (both-party sign-off, or a deadline with a fallback). See business escrow.

Encrypted memos

Every payment can carry a private label. Memos are encrypted with the note; only you, or the holder of a viewing key whose scope covers the payment, can read them.

Invoicing

Send an invoice link. The payer pays it like any invoice; the payment shields itself into your account on arrival, and the invoice status updates without a public address ever being shown. See Invoicing.

Paying someone outside Noirpay

Paying a plain Robinhood Chain address is an unshield: it is screened and, unless you opt out, time-decorrelated. The recipient sees a withdrawal from the pool, not your account.