Good question. Yeah the prepaid balance approach is kind of the best solution right now for subscriptions on Lightning. The problem is Lightning doesn't have a native recurring payment mechanism, you can't just authorize a pull payment like you can with a credit card. So either you ask the user to manually pay an invoice every month which nobody actually does, or you hold a balance and deduct from it. The Mochi wallet is that second approach. User loads sats when they want, subscriptions draw from it automatically. No failed payments, no chasing invoices. If the balance runs out we notify them to top up.

As for Geyser, there's some overlap in the broadest sense that we're both Lightning native and creator focused. But Geyser is really built around crowdfunding and project fundraising. Mochi is more of a full creator storefront, think ongoing subscriptions, digital product sales, and tipping all from one page. Closer to what Patreon or Gumroad does but on Lightning. Different use cases really, Geyser is great for funding a specific project, Mochi is for creators who want to get paid consistently for their ongoing work.

Appreciate the kind words, still early days so any feedback is welcome.