Private yield
Hiding a balance should cost you nothing. Idle notes are designed to keep working without a public deposit trail.
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.
Most privacy tools turn a hidden balance into dead capital. XEROPAY is specified so shielded deposits can be pooled, routed into real venues, and credited back per note. The explorer sees pool-level routing when that exists — not your strategy, size, or claim cadence.
How credit is supposed to work
Returns accrue to notes, not to a public wallet. Auto-sweep can move idle balance above a threshold into the yield path on its own. You should not have to unshield to earn.
What we will not publish early
No APY, no venue list, no “current rate” widget. Figures go live with the venues. Anything advertising a number before that is not from these docs.
Not token staking
Yield is not designed to come from locking $XERO. If the token exists, it is for tiers and fee discounts. Productive balances come from the assets in the notes.