Landscape
Private transfers already exist. An account — hold, earn, pay, spend, prove — mostly does not.
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.
This is a category sketch, not a competitor roast and not a list of partners. XEROPAY is specified for the empty cell: a self-custodial shielded balance that still does the jobs of a bank account.
| Category | What exists | What is missing |
|---|---|---|
| Mixers / hop tools | Hide a transfer, then dump you on a public wallet | A balance that stays private and keeps working |
| Public wallets | Hold, swap, earn — fully readable | Any privacy of salary, holdings, or counterparties |
| Custodial neobanks | UX of an account | Self-custody and an unreadable chain statement |
| Shielded pools (transfer-only) | Encrypted notes for a hop | Yield, payroll, spend rails, scoped disclosure |
Principles we use to stay in the right cell
- An account, not a mixer.
- Private money has to keep working.
- Compliance is a feature: edge plus keys you issue.
- Revenue before token.