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Payment systems are a critical component of everyday life in our society.While in many situations payments are still slow, opaque, siloed, expensive oreven fail, users expect them to be fast, transparent, cheap, reliable andglobal. Recent technologies such as distributed ledgers create opportunitiesfor near-real-time, cheaper and more transparent payments. However, in order toachieve a global payment system, payments should be possible not only withinone ledger, but also across different ledgers and geographies. In this paper wepropose Secure Payments with Overlay Networks (SPON), a service that enablesglobal payments across multiple ledgers by combining the transaction exchangeprovided by the Interledger protocol with an intrusion-tolerant overlay ofrelay nodes to achieve (1) improved payment latency, (2) fault tolerance tobenign failures such as node failures and network partitions, and (3)resilience to BGP hijacking attacks. We discuss the design goals and present animplementation based on the Interledger protocol and Spines overlay network. Weanalyze the resilience of SPON and demonstrate through experimental evaluationthat it is able to improve payment latency, recover from path outages,withstand network partition attacks, and disseminate payments fairly acrossmultiple ledgers. We also show how SPON can be deployed to make thecommunication between different ledgers resilient to BGP hijacking attacks.

SPON: Enabling Resilient Inter-Ledgers Payments with an Intrusion-Tolerant Overlay