Payment Reconciliation.pdf
166 kb
Privacy × Yield × Real Utility
Money movesbetter in private.
XEROPAY is a self-custodial privacy neobank on-chain. Your stablecoins and tokenized stocks stay invisible, keep earning yield, and remain fully yours — without compromising compliance.
- 100%
- Self-custodial
- Multi-chain
- Assets & yield
- Private by default
- Your data, your control
Built for a more open financial future
- Ethereum
- Solana
- Base
- Arbitrum
- Polygon
THE PROBLEM
PAYROLL
TOKENIZED STOCKS
STABLECOINS
DEFI YIELD
Your financial datawas never meant to be public.
Your income shouldn'tbe an open ledger.
What you own shouldn't revealwhat you're worth.
Your balance shouldn'tbe your identity.
Your financial strategyshouldn't be public either.
Onchain payroll, stablecoins, and tokenized equities sit in the same address. A single leak can expose what you earn, what you own, and what you’re worth — all at once.
Every other privacy tool turns that money into dead capital the moment you hide it. No yield, no card, and nothing you can show a bank.
Payroll sitting on a public address makes compensation patterns readable to anyone who looks.
A leak does not just reveal a payment. It reveals how you earn.
Tokenized equities in the same wallet turn a private portfolio into a public statement.
Your investment position can become visible without you ever publishing it.
Liquid stablecoin balances sitting beside payroll and holdings make solvency easier to infer.
The address becomes a proxy for who you are and what you can move.
Yield positions advertise how capital is allocated, not just how much is held.
Your on-chain strategy becomes observable — and copyable — from a single address.
Leaked
Payroll Export.csv
84 kb
Holdings Snapshot.pdf
210 kb
Treasury Balance.json
12 kb
Strategy Notes.pdf
96 kb
Priya Shah
9 days ago
RE: Invoice discrepancy review
Priya Shah
Now visible
Income becomes publicly traceable.
Priya Shah
Now visible
Your investment position can become visible.
Priya Shah
Now visible
Liquid holdings become easier to infer.
Priya Shah
Now visible
Your on-chain strategy becomes observable.
The account
XEROPAY is an account, not a mixer.
You open it like a neobank: a handle, a balance, statements, and the ability to pay, earn, and prove. Underneath is a note-based shielded pool secured by zero-knowledge proofs. Only your spending key opens those notes.
Money comes in through a licensed ramp or a bridge, can be screened at the edge, and lands encrypted. From there it behaves like an account — and when someone needs a fact you hand over a scoped, time-boxed viewing key, not your whole history.
Account
@you
Explorer · encrypted
- Handle
- @you
- Balance
- Shielded notes
- Last action
- Inbound screened
- On the explorer
- Encrypted notes
Ramp or bridge at the edge. Funds land as notes only your key opens.
Built on
Multi-chain from the first account
- Ethereum
- Solana
- Base
- Arbitrum
- Polygon
One account, five jobs
Earn, spend, pay and prove — without putting a balance on the explorer.
Shield
Money enters screened, then encrypted
Funds come in through a ramp or a bridge, can be checked at the edge, and land as notes only your spending key opens. The explorer does not get a running balance.
Rails
Plugs into the rails you already use, without showing anyone what runs through them.
Stablecoins and tokenized stocks, same account
Hold payroll-grade cash and equity tokens without publishing size, cost basis, or the mix. Corporate actions are designed to reach holders without revealing who they are.
Identity separation
KYC belongs with the licensed ramp. It should never be joined to what you do once funds are inside the account.
Gas, sponsored
A paymaster is designed to cover network fees so you are not forced to hold a gas token beside private funds.
Corporate actions, handled
Dividends and splits on tokenized stocks are meant to reach shielded holders without publishing who holds what.
Your keys, recoverable
Passkeys, hardware wallets, and guardian recovery. Self-custody without a single-device cliff.