Send dollars to an X handle or an email. They claim with one login.
Enter an X handle or an email and an amount. The sender never needs a wallet address.
The recipient signs in once and the dollars are theirs.
If nobody claims in time, the money returns to the sender. The sender can also take it back earlier.
A normal on-chain payment anyone can look up. Fast, cheap and the default for every send, claim and withdrawal.
The handle stays off the chain and the money lands at a fresh address. Dovi can still see the payment, and amounts stay visible. Private mode opens once it passes testing.
