Haveno Introduces The First Fully Decentralized Payment Gateway Ecosystem

Imagine a world where accepting payments online no longer requires Stripe, PayPal, or even a server.

Haveno, originally a privacy-first Monero-based exchange, is evolving into something bigger: a decentralized, serverless payment gateway. Built on top of its resilient P2P infrastructure, Haveno’s new protocol enables anyone, from e-commerce platforms to hosting providers, to accept cryptocurrency payments in a completely decentralized manner.

No trusted third parties. No API keys. No chargebacks. No borders.

💡 Why Centralized Gateways Are Obsolete

Centralized gateways pose a variety of problems:

• They collect your business data and sell it.
• They ban or freeze accounts without warning.
• They’re honeypots for hackers.
• They can’t support privacy coins like Monero.

Haveno flips this model on its head by decentralizing every component of payment acceptance. It doesn’t just cut out the middleman, it removes the concept of a “middle” entirely.

🧱 Core Architecture: Payments Without Servers

Here’s how it works:

1. Signed Payment Requests

A merchant generates a payment request offline – no server required – in a signed format containing:

• amount
• currency (e.g., XMR, BTC, ETH)
• timestamp
• memo (e.g., invoice ID)
• receiving address
• callbackURL (optional webhook target)
• public key
• signature

The signature is made using the merchant’s private key (stored offline or inside Haveno node config), ensuring the request can be verified by anyone in the network.

2. Any Node Can Relay

Buyers scan or receive the signed payment request and fulfill it via the Haveno network. Nodes verify the request’s authenticity using the signature and relay the offer to other participants.

There is no central server. The payment “backend” is a swarm of decentralized Haveno nodes.

3. Privacy-Respecting Payment Execution

• All payments are routed over Tor, preserving buyer anonymity.
• Native Monero support enables private payments, while BTC and others are supported via atomic swaps or wrapped protocols.
• The merchant doesn’t even need to be online, the network ensures delivery.

4. Signed Webhook Notifications

Once payment is completed, a signed webhook is sent by the network (or relayer node) to the merchant’s optional callbackURL. The webhook payload is cryptographically signed using the node’s key + merchant’s public key (multisig or hash-based challenge supported).

Verification requires no trust in the node, just signature validation.

{
  "event": "payment_success",
  "invoice": "inv_32ddf3",
  "txid": "f821a2...",
  "amount": "0.52",
  "currency": "XMR",
  "timestamp": 1729955213,
  "signature": "ab1d9c..."
}

If a merchant doesn’t want callbacks, they can just watch the Haveno mempool directly via CLI or node.

🚀 Features

🔐 Signature & Identity Model

All payment requests are signed using ed25519 keys. Haveno nodes enforce the following logic:

• Merchants publish their public keys on their website or DNS records (like DKIM for payments). In the case of a service being offered over onion, you can use http://yourreallylongandstupidonionaddress.onion/pubkey.txt
• Nodes verify payment requests or webhook callbacks using the merchant’s public key.
• Optional enhancements:
• Multisig signatures (for hosted stores or co-signing)
• zk-proofs of payment for zero-knowledge compliance requirements
• Decentralized revocation list for compromised keys

🧑‍💻 Example Use Case: Hosting Provider

Imagine you’re running a hosting business. You don’t want to rely on Stripe, nor do you want to run a Monero node. With Haveno:

1. You generate a signed invoice for 1 XMR with a callback URL.
2. A customer receives the invoice link and pays it via any Haveno-compatible wallet.
3. A relayer node broadcasts a signed webhook back to your billing system:

• { "invoice": "A214XMR", "event": "paid", "txid": "..." }

1. Your billing software activates the account. Done.

No backend. No keys online. No privacy risk.

🧱 Future Ideas

• Offline QR payment bundles for physical stores
• NFT-based invoices with embedded signatures and expiry
• Lightning bridge relayers for pseudo-instant BTC support
• Escrow and Dispute Layer using Haveno’s arbitration engine

🌐 Final Thoughts

Haveno isn’t just another DEX. It’s a protocol for reclaiming financial autonomy, which is not longer limiting itself to currency. This decentralized payment gateway turns any website, store, or app into a censorship-resistant merchant, without trusting anyone.

As centralized payment processors become increasingly hostile to privacy and freedom, Haveno offers an exit, one transaction at a time.

Join the revolution.
Visit Haveno’s Decentralized Payment Gateway Documentation to learn more and contribute.

Warning: The platform developers report that it cannot be used to facilitate the sale of anything illicit and the community will be able moderate the services listed and available, initially we are only offering services for electronics and server hosting, anything else will not be signed by the LLM nodes which will not be open sourced or distributed.