SpectrePay

SpectrePay is a stealth invoicing protocol that lets two parties transact on-chain with complete privacy while staying fully compliant, built on top of Chainlink CRE. The core problem it solves is that blockchain payments are public by default, every wallet address, every amount, every transaction is permanently visible to anyone, and existing privacy solutions like mixers or privacy coins fix that but open the door to money laundering and illicit activity with zero way to screen participants. SpectrePay fixes both sides: when User A wants to pay User B, they request a stealth address through the protocol, User B accepts, and a custom Safe contract is deployed specifically for that transaction pair. This contract is hardcoded to reject any funds unless a TEE (Trusted Execution Environment) first attests that neither party is a flagged or malicious actor, making it impossible for money to move without verification. For ERC20 tokens, Chainlink CRE continuously streams flagged wallet addresses into an on-chain Blacklist Registry, and every ERC20 transfer hitting a stealth address triggers an event-driven CRE workflow that spins up Spectre Guard to cross-check the sender and receiver against that registry in real time. If there is a match, the funds are immediately frozen and the user's wallet stays clean. The result is a payment system where identities are shielded from the public ledger but every transaction is cryptographically verified to be compliant before it settles.

SpectrePay is a stealth invoicing protocol where no funds can enter or leave without the sender and receiver both being verified, supporting native currency and ERC20 tokens, built on top of Chainlink CRE. When User A wants to send money to User B, they first request User B's stealth address through SpectrePay, and once User B accepts, a custom Safe contract is deployed on-chain specifically for that transaction pair. This contract is hardcoded to reject any incoming native currency unless a TEE provides a valid attestation, and the TEE only signs that attestation after confirming that neither party is a malicious or flagged actor, so funds physically cannot move without that check passing. For ERC20 tokens, Chainlink CRE acts as the orchestration layer that continuously streams flagged addresses into an on-chain registry called the Blacklist, and every ERC20 transfer involving a stealth address triggers an event-driven CRE workflow that instructs Spectre Guard to cross-check whether the sender or receiver appears in that registry. If a suspicious address is involved, Spectre Guard blocks the funds immediately and prevents them from being accessed or moved further, keeping the user's wallet clean and away from any illegal activity. This is how SpectrePay delivers genuine privacy in a way that is fully compliant, using Chainlink CRE as the orchestration backbone that ties every piece of the verification pipeline together.