What is XEROPAY
A self-custodial shielded account: stablecoins and tokenized stocks stay unreadable on an explorer, and are still meant to earn, pay, spend, and prove.
Status: design. XEROPAY is being built. These pages describe intended behaviour. Nothing here is claimed as live mainnet. Details can change. See What's live.
You open it like an account: a handle, a balance, statements. Underneath, the balance is a set of encrypted notes in a shielded pool. Only your spending key can open them. Zero-knowledge proofs are the plumbing — they are not the product.
In one line: private money that still works. Holdings stay invisible on the explorer. They are designed to keep earning, to pay without a repeating trail, to settle everyday spend from notes you control, and to prove themselves to an accountant or a lender with a viewing key you issue.
XEROPAY is multi-chain by design. This site does not name a home chain, a card network, or a live token address as if they were already in production.
Why it exists
Private transfers already exist. A private account does not. Mixers and hop-tools hide a movement, then dump you back onto a readable wallet. The money stops earning. It cannot pay rent without a pattern. It cannot show an auditor anything except a screenshot.
Payroll-grade stablecoins and tokenized equities now sit in the same public address. That address is a payslip and a brokerage statement at once. XEROPAY is specified as the account layer in between: hold, pay, spend, and disclose on purpose. See Why multi-chain.
What's live
XEROPAY is pre-launch. Product contracts are not claimed on any mainnet. $XERO has no official contract on this site. These docs describe the design; every feature page carries a status note.
| Now | Next |
|---|---|
| This marketing site and the product design | Shielded account: shield, hold, unshield |
| dApp waitlist on this site | Private yield, stealth handles, viewing keys |
| Business conversations for shielded payroll | Payroll batches, API, spend rails |
| $XERO described as intended utility only | Official address, supply, and chain when live |
How the docs are organised
- Account — the shielded account, shield and unshield, yield, spend rails, payments, vaults, tokenized stocks, keys.
- Business — overview, payroll, treasury, API, checkout, invoicing, pricing.
- Compliance — the model, edge screening, viewing keys, attestations, what XEROPAY sees.
- $XERO — token notes, tiers and fee discounts. No live address.
- Protocol — architecture, modules, security model, fees.
- Landscape, FAQ, and changelog. There is no whitepaper PDF on this site.
Quick links
Marketing pages: Home · dApp access · Personal · Business