Not using Lightning is always a good call.

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Yup. I had this working in a previous iteration about a year ago, but now I built the pieces to make it reliable and totally untraceable.

Under the hood, it’s a combo of NIP-17, NIP-44, NIP-59, plus some bech32 encoding to communicate some additional info, like comments with the payment. In short, the payer discovers the npub, and what relays it’s listening on and instead of asking for a lightning invoice, it sends the payment via the secure transmittal channel.

On the payee side, instead of waiting for a lightning invoice to be paid, it listens for the incoming messages that have the payment.