Orbital Decay in an Accreting and Eclipsing 13.7 Minute Orbital Period Binary with a Luminous Donor

We report the discovery of ZTF J0127+5258, a compact mass-transferring binary with an orbital period of 13.7 minutes. The system contains a white dwarf accretor, which likely originated as a post–common envelope carbon–oxygen (CO) white dwarf, and a warm donor (Te_ff,donor = 16,400 ± 1000 K). The donor probably formed during a common envelope phase between the CO white dwarf and an evolving giant that left behind a helium star or white dwarf in a close orbit with the CO white dwarf. We measure gravitational wave–driven orbital inspiral with ∼51σ significance, which yields a joint constraint on the component masses and mass transfer rate. While the accretion disk in the system is dominated by ionized helium emission, the donor exhibits a mixture of hydrogen and helium absorption lines. Phase-resolved spectroscopy yields a donor radial velocity semiamplitude of 771 ± 27 km s⁻¹, and high-speed photometry reveals that the system is eclipsing. We detect a Chandra X-ray counterpart with L_X ∼ 3 × 10³¹ erg s⁻¹. Depending on the mass transfer rate, the system will likely either evolve into a stably mass-transferring helium cataclysmic variable, merge to become an R CrB star, or explode as a Type Ia supernova in the next million years. We predict that the Laser Space Interferometer Antenna (LISA) will detect the source with a signal-to-noise ratio of 24 ± 6 after 4 yr of observations. The system is the first LISA-loud mass-transferring binary with an intrinsically luminous donor, a class of sources that provide the opportunity to leverage the synergy between optical and infrared time domain surveys, X-ray facilities, and gravitational-wave observatories to probe general relativity, accretion physics, and binary evolution.