An account, not a mixer
A handle, a balance, statements, and the jobs of a neobank. The zero-knowledge pool is plumbing.
About
Private transfers already exist. A private account does not.
XEROPAY is the missing account layer: self-custodial, shielded by zero-knowledge proofs, and still usable the way a bank account is used — across the chains you already hold.
A handle and a balance — not a mixer.
The one place a public wallet is a payslip and a brokerage statement at once
Payroll-grade stablecoins and tokenized equities now sit in the same address on public chains. Trading is crowded. The account layer is empty. That gap is the product — not a mixer, not a card with nothing behind it.
Principles
Private money has to keep working
If hiding a balance stops it earning, spending, or proving itself, it is dead capital. We don't ship dead capital.
Compliance is a feature
Screening at the edge and scoped disclosure are what make counterparties say yes.
Revenue before token
Companies can pay seat fees for shielded payroll. $XERO sits on top of that design — it is not the product.
Plenty of privacy tools. No private account.
| Category | What exists | What's missing |
|---|---|---|
| Private transfer tools | Shielded sends and stealth addresses | No yield, no payroll, no disclosure layer |
| Privacy neobanks elsewhere | Private transfers and sometimes a card | Not a full account for stocks + yield + payroll |
| Card-only projects | A card with little behind it | Issuers and compliance tend to pull thin stacks |
| Public neobanks | Checking, yield, and payroll in the open | Structurally unable to offer privacy |