Accio: Variable-Amount, Optimized-Unlinkable and NIZK-Free Off-Chain Payments via Hubs

Payment channel hubs (PCHs) serve as a promising solution to achieving quick off-chain payments between pairs of users. They work by using an untrusted tumbler to relay the payments between the payer and payee and enjoy the advantages of low cost and high scalability. However, the most recent privacy-preserving payment channel hub solution that supports variable payment amounts suffers from limited unlinkability, e.g., being vulnerable to the abort attack. Moreover, this solution utilizes zero-knowledge proofs, which bring huge costs on both computation time and communication overhead. Therefore, how to design PCHs that support variable amount payments and unlinkability, but reduce the use of huge-cost cryptographic tools as much as possible, is significant for the large-scale practical applications of off-chain payments.