I think the lightning nodes exchange ecash instead of constructing an HTLC. HTLC is the smart contract that lives inside a lightning channel for each payment that is in-transit over that channel. Normally these HTLCs get built in each channel along the payment route and then they are deleted in a cascade backwards from recipient to sender as each node settles the transaction with it's peers.
So you can route a lightning payment over a virtual channel that hooks right into the trustless smart contract layer that makes lightning routing work. But the trick is this virtual channel uses trusted cryptographic bearer contracts that are settled later, a.k.a. ecash.
Good explanation! Cashu HTLCs act very similarly to LN HTLCs so they can be hooked to one another
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