MONDAY, 17 AUGUST 2026Listed

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PAYMENTS

Lunaria

Private payment links using stealth addresses. Send, receive, and recover assets without exposing recipients.

Lunaria is a stealth-address payment protocol on LitVM, listed in the official directory as a system for private payment links that allow users to transfer, receive, and recover assets without revealing recipient identities. According to its website, the system implements the ERC-5564 and ERC-6538 standards to provide receiving privacy for both native payments and ERC-20 tokens. The project states that users sign a message with their wallet to generate stealth and viewing keys locally without creating new seed phrases or pooling funds. Payers derive a unique one-time recipient address from a public payment link, and the recipient scans the chain locally with their private viewing key to identify and spend incoming transfers. For ERC-20 tokens, the site describes an optional payment router that bundles the stealth announcement, a 1% fee, the asset transfer, and a gas reserve into a single atomic transaction to fund the fresh recipient address for subsequent withdrawals. ERC-20 transfers can also bypass the router via two non-atomic transactions, while native transfers interact directly without the router contract.

Questions

How does address generation work on Lunaria?
According to the project's documentation, users sign a message from their existing wallet to derive stealth keys on their device. Payers use the resulting public payment address to generate a fresh, one-time address for each payment, which only the recipient can access and spend.
What fees are charged by Lunaria's ERC-20 payment router?
The project states that native payments carry no protocol fees and bypass the router contract. For ERC-20 payments utilizing the optional router, the contract charges an immutable 1% fee and bundles a gas reserve to fund subsequent withdrawals from the newly generated recipient address.