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Payment routing on the Lightning Network

Non-custodial payments
for merchants and spenders.

openLN routes payments between wallets. It takes 1% of what a merchant receives and holds nothing. Every account is owned by its user.

Create an account → Read the source

open source · AGPL-3.0 · NIP-47 · append-only ledger

0 sats
held — openLN routes, it never stores a balance
1%
of what a merchant receives. The only fee.
2 rails
Lightning today — cards and multi-crypto as extensions
1/3
of the fee goes to the partner who flashed the device
The payment path

One fee. One place.
Nothing hidden.

When a payment is wrapped, the payer locks funds to a hold invoice. openLN forwards the amount minus 1% to the merchant's wallet, then settles the hold. The fee accrues at this step and nowhere else — every transition recorded in an append-only ledger.

wrapped hold invoice — one payment
01 · Payer
Locks funds
Pays a hold invoice whose settlement requires a secret held by openLN. No custody changes hands.
hold invoicehash-locked
02 · openLN
Routes, takes 1%
Forwards the amount minus 1% to the merchant's wallet, then releases the secret. One third of the fee is credited to the partner who flashed the device.
forwardsettleledger entry
03 · Merchant
Own wallet
Funds settle to a wallet the merchant controls. Not a platform balance — their wallet, their keys.
NIP-47self-custody
Two sides, one network

Merchants get paid.
Spenders pay. Both own their keys.

M
For merchants
Take payments by tap-to-pay card, POS or invoice. Funds settle to your own wallet. 1% per payment, no other fees, no subscriptions.
M
The RIC terminal
Rapid Invoice Channel — an open-hardware terminal that sends and receives, and writes and wipes NTAG424 cards on the spot. Assembled by local partners.
S
For spenders
A card backed by your own sats. Top up your wallet, tap to pay at any openLN merchant. Freeze instantly if lost.
S
Your account, your keys
Sign up directly or get onboarded by a merchant or partner. No one — not a merchant, not a partner — can control your money but you.
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Tap-to-pay cards

NTAG424 cards cryptographically bound to the holder's account, spendable at any merchant on the network.

Shipping
▦

POS

Point-of-sale terminal and invoice API. Wrapped hold invoices, fiat-rate configuration, live status.

Shipping
▣

RIC terminal

Sends and receives. Writes and wipes cards. Open hardware — MIT firmware, build files and guides.

Shipping
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Card rails

Visa, Mastercard and PromptPay via your own Stripe account.

In catalog
◆

Multi-crypto

On-chain and altcoin rails via satora.io.

In catalog
▤

Reports

Append-only ledger. Every sats movement, transaction by transaction.

Shipping
Partner network

Assemble RIC terminals.
Keep 100% of the sale.

Partners assemble RIC terminals and print cards locally — official or custom. Every device you flash earns you one third of openLN's 1% for the life of the device, tracked in the ledger.

Thailand
MAEKOB
RIC terminals, official and custom cards. Assembled and dispatched from Koh Samui.
South Africa
Johannesburg
RIC assembly and local card printing for the African market.
Europe
satoshi.si
European partner — onboarding.
Under the hood

Auditable
by construction.

01
Non-custodial, mechanically
Accounts connect to their own wallets over NIP-47. openLN holds no keys and cannot move funds without the wallet's consent.
02
Ambiguity is never failure
Every payment outcome is an explicit state — settled, pending, or needs-reconciliation — resolved by cryptographic lookup, never by retry.
03
Append-only ledger
Every state transition of every payment is recorded. Nothing is mutable history.
04
Open source
AGPL-3.0 platform, MIT firmware, open hardware files. Verify, don't trust.
wrapped-invoice.ts
// the money path — one engine, no shortcuts const wrap = await createWrappedInvoice({ amountSats, memo, merchantNwcUrl, // your wallet, your keys }); // payer locks 1,000 sats to the hold // openLN forwards 990, settles // fee 10 sats — 1/3 to the partner // who flashed this RIC await advanceWrap(row); // → "settled"

Create an account.
Spend, or get paid.

Bring your own wallet or get one. No signup fee, no subscription.

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