Welcome to Haveno Decentralized Payments, the world’s first completely decentralized, service-aware payment network built on privacy-first technologies like Monero and Tor. Designed for a future where privacy is a right, not a privilege, Haveno Payments empowers both individuals and businesses to send, receive, swap, and verify payments with zero central authority, zero compromise, and maximum flexibility.

🌍 What Is Haveno Payments?

Haveno Payments is not just another cryptocurrency payment processor.

It is a decentralized payment gateway protocol that allows:

  • Anyone to accept payments without an intermediary
  • Any currency or payment format (bank transfers, stablecoins, Monero, gift cards, etc.)
  • Service-based liquidity, meaning payment routing is optimized not just for token value, but actual services and utilities being exchanged
  • Peer-to-peer settlement with verified, signed proofs and zero reliance on third-party APIs
  • No KYC, no central server, no permission required

✨ Key Features

Feature Description
Fully Peer-to-Peer Payments are routed through nodes, not centralized APIs
Service-Aware Liquidity Engine Offers are matched based on service utility, not just currency parity
Signed Webhook Notifications Get cryptographic receipts of payment for automation and integrations
Multi-Format Settlement Pay in XMR, fiat (via bank), stablecoins, BTC, and more
Cross-Service Swaps Swap payment for unrelated services atomically (e.g., pay for hosting with a bus ticket)
Privacy-Preserving Network runs over Tor and supports Monero-first routing
Zero Hosting Required Merchants don’t need to run servers, they just sign offers and listen for receipts

🚀 Getting Started

  1. Download Haveno Desktop:

  2. Create an Account:

    • Your keys, your wallet. All data is local and encrypted. Now with local wallets and cold storage wallets, supporting Trezor and Ledger on both Desktop and Mobile devices.

  3. Browse Vendors (Service-based only for now):

    • Search through the allowed categories (Server Hosting, Domains)
    • Pay in several ways using the Haveno Bridge.
    • Purchase the item and it's quantity and submit your payment to the Haveno verificatio network

  4. Receive Encrypted Invoice Link or QR:

    • The app generates a secure URI or embed code
    • You can even host a static HTML page with your invoice

  5. Vendor Receives Signed Notification via IPN:

    • This can then trigger an automatic provisioning of your service based product, such at hosting or domain purchase, or development work, for example.

  6. You get a notification once it's delivered

    • When someone fulfills your offer, you can recieve and email update via Haveno's encrypted mailbox or via an email if supplied during purchase.

🪜 Why It’s Better

Traditional Payment Gateways Haveno Payments
Custodial, KYC, and surveillance Fully non-custodial, private by design
Limited currency & regional support Any value exchangeable through peers
APIs require uptime & maintenance Event-driven, peer-signed notifications
No interoperability between services Atomic multi-format service swaps
Fraud-prone, no proof of payment Cryptographically signed receipts

Haveno enables true financial interoperability, meaning you could:

  • Pay for a hosting subscription in XMR, even if the merchant only accepts EUR via bank
  • Settle an online course fee with gift cards, if someone is willing to fulfill the route
  • Accept anonymous donations using only your public invoice link

👁️ Service-Based Liquidity Explained

Unlike centralized exchanges that match token-for-token swaps, Haveno matches demand based on intent and utility. This is what we call Service-Based Liquidity.

Example:

  • Alice wants to buy a domain using BTC.
  • Bob has BTC, but only wants airline miles.
  • Carol wants airline miles, and is offering XMR.
  • Dave has XMR and wants EUR via SEPA bank transfer.
  • Eve runs a hosting service and accepts EUR.

Through multi-hop routing, Haveno builds a path where:

Alice (BTC) ➔ Bob (XMR) ➔ Dave (EUR) ➔ Eve (hosting)

Good ol' social-value lifecycles are back again!

Each hop is validated, cryptographically signed, and either executed atomically or rolled back if not fully fulfilled, it helps everyone get what they need in an economy that is more complex that just currencies.

This creates a new paradigm of payment routing based on utility, not currency silos.

🚧 Integrations (Full Integration List)

We’re rapidly expanding integrations with popular tools and marketplaces, here are some examples:

  • WHMCS Plugin
  • Static HTML Invoice Generator
  • Shopify-compatible link overlays
  • Email-to-Payment URI bridge
  • Developer SDKs in Dart, Rust, and Java.

🛌 Who Is It For?

  • Developers: Add a Haveno URI to any checkout flow, or run your own relay node
  • Merchants: Accept payments globally, with privacy and zero chargebacks
  • Freelancers: Get paid in the format you prefer, swap automatically via the network
  • Users: Settle any value, for any service, privately and reliably

🛡️ Try It Now

🚀 Haveno: The Network of Needs

We believe payments should reflect real-world human needs, not just which currency you happen to own.

Haveno is building a decentralized, programmable network that routes trust, value, and utility across borders, identities, and protocols.

The next evolution of digital commerce isn’t faster credit cards. It’s people paying people, directly, for what they truly need. And Haveno makes it happen.

Ready to join the movement? Choose your integration:

Get Started Now →