Vaults and consolidation

Separate shielded buckets for saving, spending, and investing — without publishing the split.

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.

Vaults

A vault is a labelled set of notes. Payroll can land in one. Spend limits can attach to another. Investing can stay apart. The explorer does not get a pie chart of how you allocated.

Viewing keys can be scoped to a vault so an accountant sees the operating bucket and not the whole life.

Consolidation

Notes fragment as you receive, spend, and take change. Background consolidation is specified so proofs stay fast and fees stay low. It is plumbing. It should not create a public “reorg of your wallet” trail.

What you still control

Moving between vaults is still your spend. XEROPAY does not rebalance you. Sweep-to-yield is opt-in policy on a vault, not a silent siphon.