XMRChat

XMRChat is a Monero-native superchat / tipping tool for content creators. The pitch is direct: where YouTube takes 30–50% of Superchats and Rumble takes 20%, XMRChat takes 0% — every XMR a viewer tips lands directly on-chain in the creator's wallet. The viewer side is fully anonymous (no account, no email, no signup), the creator side requires an email login to manage their tip page.

Architecture is the killer feature: it's non-custodial. During creator onboarding, you supply your Monero primary receive address + secret view key. XMRChat generates a unique subaddress per incoming tip and uses your view key to *see* (but not spend) those incoming transactions for display and notifications. Funds never touch a platform wallet — they land directly in your wallet, on-chain, in real time. Even if XMRChat goes offline tomorrow, the XMR you've already received is still yours, untouched, in addresses you control. The platform is a UI + notification layer, not a custody layer.

Privacy trade-off worth understanding: handing your view key to a third party gives them visibility into *every* incoming transaction to your primary address, not just tips. Standard mitigation: use a dedicated XMR wallet for tip income, not your main wallet. The view key only ever sees what hits that wallet. Don't reuse a wallet you've also used for personal/business receive — XMRChat's UI will surface those incoming transactions too.

Integrations: Twitch bot (`xmr-chat`), OBS browser source for stream overlay, Streamyard support. Set up a tip page, share the URL with your audience, watch tips show up in your overlay during a stream. Tutorial by Alex Anarcho on YouTube is the standard onboarding reference.

Why we list at A-, not A: non-custodial design + 0% platform fee + viewer-side anonymity + open-source (Apache-2.0 at `github.com/sa8ab/xmrchat`) all earn full credit. The half-step holding it back from A is the email-required creator login — for a privacy tool, requiring an email even on the creator side is a real cost (use a throwaway, but it's still an identity surface). Anonymous operator (no team page, contact via `support@xmrchat.com`) is also worth noting but mitigated by the non-custodial design — there's nothing to rug.

Useful when you're a creator who streams (Twitch, OBS, Streamyard) and wants real Monero superchat without a platform middleman taking 30%; OR you're a viewer who wants to send a creator XMR without identity disclosure on either side of the transaction.

Trust mechanism: open-source codebase (review the view-key handling yourself if it matters), non-custodial by architecture (no platform wallet to drain), on-chain settlement (your wallet is your bank). The combination is hard to beat for the tipping-creator use case in the Monero ecosystem.