Bit-Chat routes Lightning payments over messaging apps

The agent-native payment layer problem is real, and routing Lightning over existing chat protocols is a clever low-friction entry point that sidesteps the need for agents to manage wallets directly.

• –Agents get a dedicated Lightning address (username@user.bit-chat.me) and can transact via natural language through any supported chat channel
• –The skill.md spec is itself a system prompt — the product is explicitly designed to be integrated into agent pipelines without human configuration steps
• –Receivers don't need to be registered, lowering the onboarding barrier for agent-to-agent payment flows
• –Currently zero fees for early users, capped at 1% later — competitive with Lightning Network norms
• –Sits in a growing category alongside Lightning Labs' L402 and Coinbase's Agentic Wallets, but differentiates by using existing consumer messaging apps as the transport layer