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+<pre>
+  DIP: TBD
+  Title: Transparent Platform Contact Payments via DashPay Relationship Xpubs
+  Author(s): Quantum Explorer
+  Comments-Summary: No comments yet.
+  Status: Draft
+  Type: Standard
+  Created: 2026-04-27
+  License: MIT License
+  Requires: 0014, 0015, 0018
+</pre>
+
+# Table of Contents
+
+* [Abstract](#abstract)
+* [Motivation](#motivation)
+* [Prior Work](#prior-work)
+* [Specification](#specification)
+  * [Overview](#overview)
+  * [Relationship Xpub Reuse](#relationship-xpub-reuse)
+  * [Terminal Child Index Partition](#terminal-child-index-partition)
+  * [Transparent Platform Address Derivation](#transparent-platform-address-derivation)
+  * [Sending and Receiving Behavior](#sending-and-receiving-behavior)
+  * [Excluded Scope](#excluded-scope)
+* [Rationale](#rationale)
+* [Backwards Compatibility](#backwards-compatibility)
+* [Reference Implementation](#reference-implementation)
+* [Security Considerations](#security-considerations)
+* [Privacy Considerations](#privacy-considerations)
+* [Copyright](#copyright)
+
+## Abstract
+
+This DIP specifies how DashPay contacts can exchange transparent Platform payment addresses without
+introducing a second extended public key into the DashPay contact request document. It reuses the
+existing DashPay relationship xpub exchanged by [DIP-15](dip-0015.md) and reserves a distinct
+terminal child-index subspace for transparent Platform payments.
+
+DashPay Core contact payments continue to derive child keys as `contact_xpub / i`.
+
+Transparent Platform contact payments derive child keys as `contact_xpub / (2^30 + i)`.
+
+This preserves the existing contact request payload, avoids a DashPay contract change for the
+transparent phase, and keeps contact payment derivation relationship-specific. Shielded Platform
+payments are out of scope.
+
+## Motivation
+
+[DIP-15](dip-0015.md) already defines a contact-specific relationship xpub that is exchanged
+between contacts and used for DashPay payment address derivation. A straightforward way to add
+transparent Platform contact payments would be to extend the DashPay contract so that every new
+contact request carries a second encrypted xpub dedicated to Platform addresses.
+
+That approach introduces unnecessary complexity:
+
+* it changes the DashPay system contract even though the existing relationship xpub already
+  provides a deterministic per-contact public key stream;
+* it requires SDK, wallet, FFI, and contract-version changes for a use case that can be expressed
+  by derivation rules alone; and
+* it encourages implementations to share wallet-global Platform payment xpubs, which weakens the
+  relationship-specific privacy boundary that DashPay already creates.
+
+Transparent Platform contact payments only require a per-contact public key stream that both sides
+can derive. The DashPay relationship xpub already satisfies that requirement. The missing piece is
+an unambiguous rule for separating Platform-derived child keys from existing DashPay Core payment
+child keys.
+
+## Prior Work
+
+* [DIP-0009: Feature Derivation Paths](https://github.com/dashpay/dips/blob/master/dip-0009.md)
+* [DIP-0013: Identities in Hierarchical Deterministic Wallets](https://github.com/dashpay/dips/blob/master/dip-0013.md)
+* [DIP-0014: Extended Key Derivation using 256-Bit Unsigned Integers](https://github.com/dashpay/dips/blob/master/dip-0014.md)
+* [DIP-0015: DashPay](https://github.com/dashpay/dips/blob/master/dip-0015.md)
+* [DIP-0017: Dash Platform Payment Addresses and HD Derivation](https://github.com/dashpay/dips/blob/master/dip-0017.md)
+* [DIP-0018: Dash Platform Payment Address Encodings](https://github.com/dashpay/dips/blob/master/dip-0018.md)
+* [BIP-0032: Hierarchical Deterministic Wallets](https://github.com/bitcoin/bips/blob/master/bip-0032.mediawiki)
+
+## Specification
+
+### Overview
+
+This DIP extends the use of the [DIP-15](dip-0015.md) contact relationship xpub so that it can be
+used for two transparent payment systems between the same contact pair:
+
+* DashPay Core-chain payments
+* transparent Platform payments
+
+The contact request document format remains unchanged. Implementations derive different child keys
+for the two systems by partitioning the unhardened terminal child-index space.
+
+### Relationship Xpub Reuse
+
+The relationship xpub exchanged in a DashPay contact request MUST remain the xpub derived at:
+
+```text
+m / 9' / coin_type' / 15' / account' / sender_id / recipient_id
+```
+
+Implementations MUST continue to exchange exactly one encrypted extended public key for the
+transparent phase.
+
+Implementations MUST interpret that xpub as the parent for both:
+
+* DashPay Core contact payment address derivation
+* transparent Platform contact payment address derivation
+
+This DIP does not introduce a second encrypted extended public key into the `contactRequest`
+document.
+
+### Terminal Child Index Partition
+
+The unhardened terminal child-index space of the contact relationship xpub MUST be partitioned as
+follows:
+
+* DashPay Core payment child indexes: `0 <= i < 2^30`
+* transparent Platform payment child indexes: `2^30 <= i < 2^31`
+
+Define:
+
+```text
+PLATFORM_CONTACT_INDEX_BASE = 2^30
+```
+
+For a logical transparent Platform payment index `p`, implementations MUST derive the actual child
+index as:
+
+```text
+terminal_index = PLATFORM_CONTACT_INDEX_BASE + p
+```
+
+where `0 <= p < 2^30`.
+
+After adopting this DIP, implementations MUST NOT derive new DashPay Core payment addresses at
+terminal child indexes greater than or equal to `2^30`.
+
+### Transparent Platform Address Derivation
+
+Given:
+
+* a contact relationship xpub `C`;
+* a logical transparent Platform payment index `p`; and
+* a terminal child index `n = 2^30 + p`;
+
+the transparent Platform child public key is:
+
+```text
+K = CKDpub(C, n)
+```
+
+The corresponding transparent Platform payment address MUST be encoded from `K` using the
+transparent Platform address rules defined by [DIP-0018](dip-0018.md).
+
+For the first phase covered by this DIP:
+
+* implementations SHOULD use transparent P2PKH Platform addresses; and
+* implementations MUST NOT assume that shielded Platform recipient material can be derived from the
+  same xpub.
+
+This DIP does not modify the [DIP-0017](dip-0017.md) derivation used for wallet-owned Platform
+payment accounts.
+
+### Sending and Receiving Behavior
+
+When sending transparent Platform funds to a contact, the sender:
+
+1. obtains the contact relationship xpub from the accepted DashPay relationship;
+2. selects the next logical transparent Platform payment index `p` for that contact;
+3. derives `contact_xpub / (2^30 + p)`;
+4. encodes that child key as a transparent Platform address; and
+5. sends funds to that address.
+
+The sender SHOULD persist the logical transparent Platform payment index used for each contact.
+
+The recipient derives the corresponding private key from the same relationship path and the same
+terminal child index.
+
+Implementations MAY manage transparent Platform contact addresses with a contact-specific index and
+watch strategy rather than by inserting them into the wallet-owned [DIP-0017](dip-0017.md)
+Platform Payment account pool. For example, implementations MAY maintain:
+
+* a sparse per-contact watched set;
+* a per-contact next-expected transparent Platform payment index; or
+* a bounded per-contact scan window in the reserved transparent Platform subspace.
+
+The exact monitoring and recovery strategy is implementation-defined.
+
+### Excluded Scope
+
+This DIP does not require:
+
+* a new DashPay contract version;
+* a new required field in `contactRequest`;
+* a second encrypted xpub in the SDK or FFI surface;
+* a protocol-version bump solely for the transparent phase; or
+* any shielded / Orchard contact payment derivation rule.
+
+Shielded Platform payments MUST be specified by a separate DIP.
+
+## Rationale
+
+The existing [DIP-15](dip-0015.md) relationship xpub is already encrypted, shared per contact, and
+capable of unhardened child public derivation. Adding a second xpub would duplicate information
+that can already be represented through child-index allocation.
+
+Reserving the upper half of the normal BIP-32 child-index space has several benefits:
+
+* it creates a large disjoint subspace without changing the meaning of the already-shared contact
+  xpub;
+* it avoids collisions with existing low-index DashPay Core payment addresses;
+* it preserves monotonic logical counters for both payment systems; and
+* it does not require the wallet to treat contact-derived Platform payments as [DIP-0017](dip-0017.md)
+  wallet-owned Platform Payment accounts.
+
+An alternative would be to derive two explicit branches below the contact xpub, such as `/0/i` for
+DashPay Core and `/1/i` for Platform. That approach is cleaner in a new derivation design, but it
+changes the meaning of the terminal derivation structure that existing implementations already use.
+The `2^30` split preserves current behavior while still creating a deterministic partition.
+
+Sharing a wallet-global [DIP-0017](dip-0017.md) xpub with every contact was rejected because it
+turns per-contact payments into one globally linkable address family. Reusing the relationship xpub
+preserves the existing DashPay privacy boundary: each contact pair still has its own derivation
+root.
+
+## Backwards Compatibility
+
+This DIP is backward compatible with existing DashPay contact requests because it does not alter the
+contact request document format or encrypted payload layout.
+
+Wallets that do not implement this DIP will continue to function for DashPay Core payments. They
+simply will not derive or monitor the reserved transparent Platform subspace.
+
+Because deployed DashPay contact payment implementations derive terminal child indexes starting at
+`0` and increment upward, reserving `2^30` for transparent Platform use does not conflict with any
+practical existing address allocation.
+
+## Reference Implementation
+
+The following pseudo-code is normative for transparent Platform contact payment address derivation:
+
+```text
+function platform_contact_payment_key(contact_xpub, logical_platform_index):
+    PLATFORM_CONTACT_INDEX_BASE = 2^30
+
+    if logical_platform_index < 0 or logical_platform_index >= 2^30:
+        fail("logical_platform_index out of range")
+
+    terminal_index = PLATFORM_CONTACT_INDEX_BASE + logical_platform_index
+    child_pubkey = bip32_ckdpub(contact_xpub, terminal_index)
+
+    return child_pubkey
+```
+
+Address encoding of `child_pubkey` into a transparent Platform address is defined by
+[DIP-0018](dip-0018.md).
+
+## Security Considerations
+
+* Implementations MUST ensure that both parties apply the same child-index partition rule. If the
+  sender and recipient disagree on the reserved Platform subspace, funds may be sent to addresses
+  the recipient will never derive.
+* Reusing the relationship xpub does not expose more public key material than the existing DashPay
+  contact request already exposes, but it does extend the set of child public keys that may be
+  derived from that xpub.
+* Wallets MUST reject any attempt to interpret transparent Platform contact addresses as Core-chain
+  receive addresses.
+* Wallets MUST keep DashPay Core payment address allocation out of the reserved transparent Platform
+  subspace after activating this DIP.
+
+## Privacy Considerations
+
+* This DIP is more private than sharing a wallet-global [DIP-0017](dip-0017.md) xpub with every
+  contact because each relationship retains a distinct derivation root.
+* DashPay Core and transparent Platform contact payments derived from the same relationship xpub are
+  still linkable at the relationship level by the participants. This DIP preserves the per-contact
+  boundary; it does not make the two payment systems unlinkable to each other.
+* Wallets SHOULD avoid revealing logical transparent Platform payment indexes outside of the local
+  wallet unless required for recovery or coordination.
+
+## Copyright
+
+Copyright (c) 2026 Dash Core Group, Inc. [Licensed under the MIT License](https://opensource.org/licenses/MIT)