Peer-to-peer payments without Big Tech
True peer-to-peer payments mean sending value directly to someone else — without banks, payment processors or Big Tech in the middle.
Best options (2026)
| Method | Speed | Fees | Privacy | Ease of use | Recommended for |
|---|---|---|---|---|---|
| Lightning Network (Bitcoin) | Instant | Very low | High | Good | Daily small payments |
| Bitcoin on-chain | 10–60 min | Medium | High | Medium | Larger amounts |
| Monero | Fast | Low | Very High | Medium | Maximum privacy |
| Cashu / Ecash | Instant | Very low | Good | Easy | Private small payments |
| Strike / Blink | Instant | Low | Medium | Very Easy | Easy USD → Lightning |
Recommended start: Lightning Network
Why Lightning?
- Very fast and cheap
- Built on Bitcoin (most secure settlement layer)
- Growing adoption worldwide
How to get started:
- Download a good Lightning wallet:
- Phoenix (Android/iOS) – easy, non-custodial
- Wallet of Satoshi (beginner friendly)
- Muun or BlueWallet
-
Buy some Bitcoin (via exchange or P2P) and send it to your Lightning wallet
- Send money:
- Scan a Lightning invoice (QR code)
- Or use a Lightning address (like email: name@domain.com)
Pro tip: Use Bolt12 offers (static payment links) for recurring payments.
Privacy note:
For maximum privacy combine Lightning with good coin selection or mixers (advanced).
⚠️ Disclaimer
Alle guides worden door de community voorgesteld en door het OIM-coreteam gecontroleerd voordat ze live gaan.
Toch blijft het uitvoeren van technische stappen jouw eigen verantwoordelijkheid.
Het Open Internet Manifest is niet aansprakelijk voor schade, dataverlies of andere problemen die kunnen ontstaan door het volgen van een guide.
💸 Support the Open Internet Manifest ❤️
This manifest only exists thanks to your donations.
Every satoshi or monero helps enormously (servers, domains, development).
Donate anonymously in crypto
| Cryptocurrency | QR-code (click to enlarge) | Address (click to copy) |
|---|---|---|
| Bitcoin (BTC) |
|
bc1qn0wpgqc9g22hpcyeu8687tdv3gg83rnvksrydm |
| Monero (XMR) |
|
85J34VDW5wSJG6yuWXyYzB4ScedX7k4FJZktSk1VMo2uRHFWoPjB9cXKGiEkvw1SvoQrMXdxwnrVPZVzJx9MrPe4HoPYbFu |
Monero tip: with Cake Wallet or the official GUI every donor automatically gets a unique subaddress → maximum privacy.
Thank you so much for your support — you keep this project alive! 🚀
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