Private P2P payments
Move stablecoins to friends and merchants without painting a public graph of your spending.
zPayy — Payments that stay yours— even on-chain. Confidential money layer for stablecoins: shield, send, request, and batch.
The product
A vault-grade wallet for everyday stablecoins.
Connect your wallet, wrap into confidential balances, then pay peers or settle invoices—with amounts and positions encrypted on Ethereum using fully homomorphic encryption.
- · Non-custodial: keys stay on your device.
- · Mainnet and Sepolia, with a path to scale as tokens list.
- · Built for USDC, USDT, ZAMA confidential wrappers.
Capabilities
Everything you expect—nothing you over-share.
Confidential balances
Portfolio size stays encrypted on-chain; only you decrypt what you choose to see.
•••• cUSDC
On-chain encryption
Validators compute on ciphertext: your amounts are not exposed to the network’s operators.
Multi-send
Batch confidential transfers in one flow—payroll, splits, or treasury runs without extra leaks.
Payment links
Share a request with QR or link; counterparties pay into your confidential balance.
Shield & unshield
Move between public ERC‑20s and confidential wrappers when you need liquidity or privacy.
Mainnet
Live
Sepolia
Test
Flow
Three moves. Full confidentiality.
1
Connect
Link your Ethereum wallet. Approvals are explicit; we never hold keys.
2
Shield
Wrap public tokens into confidential balances secured by FHE.
3
Transact
Send, request, or batch—amounts stay private on the ledger.
Privacy stack
Infrastructure you can audit—not trust on vibes.
zPayy sits on public Ethereum with cryptography that keeps balances and transfers meaningful only to you and your counterparties.
Core
Zama fhEVM
FHE compute inside the EVM.
Standard
ERC‑7984
Confidential token layout.
Network
Ethereum
Mainnet & Sepolia.
Clients
iOS & Android
Native apps, same cryptography.
Download
Install zPayy where you already pay.
Get zPayy on iOS and Android.
Android APK
FAQ
Straight answers
What is zPayy? add
zPayy is a confidential payment application on Zama’s fhEVM. It lets you send, receive, and request payments with FHE-protected balances and amounts tied to ERC‑7984 confidential tokens.
How does confidentiality work? add
Balances and transfer amounts are encrypted on-chain. Smart contracts operate on ciphertext so validators don’t see your private financial data.
Do I control my keys? add
Yes. zPayy is non-custodial. You connect your own wallet; we don’t store seed phrases or private keys.
Which tokens are supported? add
Confidential wrappers for USDC, USDT, and ZAMA are in scope today; more assets follow as the registry grows.
Is mainnet supported? add
Yes—Ethereum mainnet and Sepolia. Start on testnet if you’re exploring flows for the first time.
Ready when you are.
Bring stablecoin payments into the encrypted layer—without giving up self-custody.
Get zPayy