UMA (Universal Money Address) UMA is Lightspark's open-spec extension to Lightning Address that supports: - Multi-currency invoices (USD, EUR, ARS, NGN, ...). - Sender / receiver attestation (KYC compliance). - Travel Rule data exchange (FATF compliance). - Currency conversion via Lightning's routing. Format: same as Lightning Address — — but the backend implements UMA on top of LNURL-pay. Spec: <https://uma.me/ , repo . Why UMA Lightning Address solves "human-friendly identifier", but doesn't help with: - "I want to send 50 USD to [email protected]" — wallet needs to know USD value mapping. - Co…