For you
Six things people do with money every month, and what changes when the balance cannot be read off a block explorer.
Income lands as notes — not a public payslip.
Each use case is the same shape: what a public wallet publishes, and what changes when the account is shielded. Indentation, spacing, and card height stay identical down the page.
On a public wallet
Every salary or invoice lands in a public wallet. Anyone with the address can read income to the cent.
With XEROPAY
Your handle can receive each payment at a fresh address and shield it on arrival. Your income is yours to know.
On a public wallet
Most privacy tools turn a hidden balance into dead capital the moment you conceal it.
With XEROPAY
A shielded balance is designed to keep working. Yield is credited per note — without publishing the strategy.
On a public wallet
Spending from a public wallet publishes merchants, timing, and often an unshield step.
With XEROPAY
Everyday spend is meant to settle from shielded funds, with limits and a kill switch you control. Networks are named when they are live.
On a public wallet
The same amount, to the same address, on the same day is the easiest pattern on a public chain.
With XEROPAY
Recurring payments can run inside the pool: a fresh stealth address each time, no repeating trail.
On a public wallet
Every fill is public: ticker, size, cost basis, cadence. A brokerage statement anyone can read.
With XEROPAY
Each buy can settle into a fresh note. Positions stay hidden; dividends and splits are still designed to reach you.
On a public wallet
You either share the whole wallet history or a screenshot nobody should have to trust.
With XEROPAY
Give an accountant a viewing key scoped to a period. Give a lender a proof of funds. Both can expire.
Open it with a passkey. Fund it through a licensed ramp. Everything after that is designed to happen inside a shielded pool, with screening at the edge and a viewing key only you can issue.
A shared name that never reveals a running balance.
Separate shielded buckets for saving, spending, and investing.
Notes decrypt in your browser. The server is not supposed to see positions.
| Public wallet | XEROPAY | |
|---|---|---|
| Balance | Exact, to the cent | Encrypted notes |
| Salary | Every incoming payment | Shielded on arrival |
| Who you pay | Every counterparty, forever | A one-time stealth address |
