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+NIP-XX
+======
+
+Generic Payment
+-------------------------
+
+`draft` `optional`
+
+This NIP defines kind `30090` as a generic payment event that can represent any payment on nostr.
+
+## Rationale:
+
+Many applications that use nostr as their social layer have payments as a core part of their functionality which are not necessarily nostr-native in the form of a zap.
+
+It is still valuable to represent these payments on nostr so they can be shared, rendered, and indexed across different clients.
+
+## Generic Payment Events - Kind `30090`
+
+Generic payment events are kind `30090` parameterized replaceable events signed by a semi-trusted provider which could be either:
+
+- the app / service the user is sending the payment from
+- the receiving users wallet pubkey (similar to zap receipts)
+
+The events are parameterized replaceable so that if the `payer` or `payee` joins nostr after the payment was made, the payment events can be updated and assigned to their pubkey.
+
+- `["d", "<unique_id>"]`
+- `["currency", "BTC"]` - the ISO 4217 (https://en.wikipedia.org/wiki/ISO_4217) currency code of the payment with `BTC` used for bitcoin
+- `["amount", "100000"]` - the payment amount in the currency's minor unit (usd cents, btc millisatoshis) formatted as a string
+- `["payer", "<optional_pubkey>", "<optional_relay_hint>", "<optional_name>"]` - the entity paying
+- `["payee", "<optional_pubkey>", "<optional_relay_hint>", "<optional_name>"]` - the entity being paid
+- `["metadata": "{}"]` - optional generic metadata
+
+---
+
+
+### Examples:
+
+_An anonymous donation to the human rights foundation with an 100,000 satoshi on-chain bitcoin payment:_
+
+```jsonc
+{
+  "kind": 30090,
+  "tags": [
+    ["d", "867038d3-5648-4f64-ab9d-0a1f38f00b67"],
+    ["currency", "BTC"],
+    ["amount", "100000000"],
+    ["payer", "", "", "Anonymous"],
+    ["payee", "f1989a96d75aa386b4c871543626cbb362c03248b220dc9ae53d7cefbcaaf2c1", "wss://purplepag.es", "HRF"],
+    ["metadata", "{\"program\":\"Bitcoin Development Fund\"}"]
+    ],
+  "content": "",
+}
+```
+
+
+_A user named Bob without a nostr profile donating $100 to a donation page in dollars:_
+
+```jsonc
+{
+  "kind": 30090,
+  "tags": [
+    ["d", "64eb241d-d05b-42ba-988a-1e24666a7cab"],
+    ["currency", "USD"],
+    ["amount", "10000"],
+    ["payer", "", "", "Bob"],
+    ["payee"],
+  ],
+  "content": "",
+}
+```
+
+_A a podcast listener supporting the Joe Rogan Experience with a 10,000 satoshi donation:_
+
+```jsonc
+{
+  "kind": 30090,
+  "tags": [
+    ["d", "f8604a8f-1ad5-4e90-a2f5-3a5e63cd7330"],
+    ["currency", "BTC"],
+    ["amount", "10000000"],
+    ["payer"],
+    ["payee", "", "", "The Joe Rogan Experience"],
+    ["i", "podcast:guid:123"],
+    ["i", "podcast:item:guid:123"],
+    ["metadata", "{\"action\": \"boost\"}"]
+  ],
+  "content": "Great episode!",
+}
+```