Encrypted with Zama fhEVM

Private balances.
Public when you choose.

Public wallets broadcast every salary, invoice, and payroll amount to anyone with an explorer. zPayy wraps any ERC-20 into an encrypted confidential balance — so you can send, request, and settle without publishing the number.

Get the app See how it works
  • Non-custodial
  • Encrypted on-chain
  • iOS & Android

The gap

Web3 already moves money. It still leaks the story.

A public transfer is a receipt taped to the street. Competitors, payroll, and family spending should not be a spectator sport. Encryption in the UI is not enough — the ledger itself has to hide the amount.

Explorers see the number

Most wallets settle in the open. Anyone can follow a wallet and read every payment size.

Payroll should not be public

Paying a team on-chain today often publishes every salary next to a name-shaped address.

Requests need a quieter path

Invoices and payment links should collect funds without advertising the amount to the world.

Three steps from a public coin to a private balance — then you transact.

No new coin. You shield what you already hold, then send and request with the amount encrypted.

01 Connect

A wallet you control

Email, social, or your own keys. zPayy does not custody funds. Recovery stays on your device.

enc Amount becomes ciphertext
02 Shield

Into an encrypted balance

Wrap any ERC-20 — USDC, USDT, and the rest — into its confidential form. The amount becomes ciphertext on Ethereum.

Sendencrypted
Requestlink
Batchpayroll
03 Transact

Send, request, or pay many

Confidential transfer, payment links, and batch send. Unshield when you need a public balance again.

Built for the payments people actually make.

Shield & unshield

Move between public ERC-20 and encrypted balances without leaving Ethereum.

Private send & batch

Pay one person or many in a single confidential flow — payroll, splits, treasury.

Request with a link

Share a payment request. They pay in-app. The amount stays encrypted on-chain.

Compared

You were going to put it next to a normal wallet anyway.

Public explorers are excellent at transparency. They are a poor default for salaries and invoices.

Capability MetaMask, Trust & public wallets zPayy
Transfer amounts on a block explorer Visible Encrypted (confidential sends)
You hold the keys Usually Always — non-custodial
Tokens you already use Any ERC-20 Same tokens, shielded
Payment requests Address + amount in the open Link + encrypted settle
Pay many people at once One public tx after another Confidential batch send
Choose to go public again Already public Unshield when you need to

Ciphertext on Ethereum. Not a side chain story.

Zama fhEVM

Fully homomorphic encryption so contracts can compute without seeing the plaintext amount.

ERC-7984

Confidential token standard for encrypted balances and transfers.

Ethereum

Mainnet for production. Sepolia when you want to try the flow first.

Your device

Keys and app lock stay on the phone. zPayy does not hold a copy.

Mainnet + Sepolia

Get zPayy on your phone tonight.

Available on TestFlight and Google Play. No sideload required.

Get it onTestFlight Get it onGoogle Play

Fair questions, straight answers.

What is zPayy?

A non-custodial mobile wallet for confidential ERC-20 payments on Ethereum. You shield public tokens into encrypted balances, then send, request, and batch-pay without publishing the amount.

How is this different from “private mode” in a normal wallet?

Hiding a number in the app is not the same as encrypting it on-chain. zPayy uses fully homomorphic encryption (Zama fhEVM) and confidential tokens (ERC-7984) so the ledger itself does not show the amount for confidential transfers.

Does zPayy hold my keys?

No. Keys stay on your device. We cannot recover a seed phrase or move funds for you.

Which tokens and networks?

Any ERC-20 can be shielded into its confidential form — USDC, USDT, ZAMA, and others listed in the registry — on Ethereum mainnet and Sepolia. Switch networks in Settings.

Can I go back to a public balance?

Yes. Unshield unwraps confidential tokens back to the public ERC-20 when you need liquidity on the open ledger.

Where do I download it?

iOS via TestFlight and Android on Google Play. We do not distribute a direct APK from this site.

Is this anonymous?

Confidential means amounts (and related encrypted state) are not plaintext on-chain. Addresses and other public chain data can still be visible. It is privacy for payments, not invisibility.