The Universal Money Address (UMA) standard combines easy-to-read Lightning addresses with advanced messaging capabilities and integration with global Lightning network payment routes in real time. The UMA standard has an open source code available to everyone.
UMA expands the capabilities of INURL and Lightning addresses, and also allows you to simplify payments in any currency and makes them almost instant with minimal commission. The standard also provides support for messaging in accordance with the requirements for the exchange of fiat currencies.