// SIGNAL / NOISE  ·  PRIVACY-PRESERVING MONEY MARKET

Lend and borrow on-chain — without broadcasting your balance sheet.

A privacy-preserving money market. Zero-knowledge proofs verify every position — without revealing it.

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// PROOF OF BUILD

We ship proofs,
not promises.

Every claim on this page is checked in the repo. The circuits are compiled, the verification keys are pinned, and the prover runs in your browser — your secrets never touch our servers, because there are none.

zenfinance — ci · main

forge test224/224 tests PASS

circuits11 compiled · vk pinned

proverin-browser UltraHonk

recovery1 signature · full restore

$

OPEN SOURCEREPRODUCIBLE · DETERMINISTIC

// SPEC SHEET

Private by construction.
Verifiable by anyone.

01/

Shielded positions

Deposits, debts, and collateral live as encrypted notes. Your counterparties see a valid market — never your book.

state
encrypted notes
visibility
owner-only
leakage
zero
02/

ZK-verified solvency

Every borrow carries an UltraHonk proof that the position is over-collateralized. The chain verifies math, not identities.

proof
UltraHonk
verified
on-chain
trust
none required
03/

Agent-native ERC-4337

Smart accounts and autonomous agents transact through account abstraction — session keys, sponsored gas, policy-bound strategies.

accounts
ERC-4337
execution
intent relayer
policies
user-signed

// HOW IT WORKS

Three steps. One signature.

1

Sign once

One wallet signature derives your session keys. No accounts, no email, no KYC to see your own money.

2

Prove in your browser

Deposits and borrows are proven client-side. What leaves your machine is a proof — never a number.

3

The chain verifies

Contracts check the proof and update the shielded pool. Lose your device? One signature restores everything.

// FAQ

Fair questions.

If positions are private, how do you stop bad debt?+

Per-user amounts are hidden, but protocol-level totals stay public and every operation carries a zero-knowledge proof that health-factor and liquidity rules hold. The market is auditable; individuals are not.

Is this live? What exists today?+

The full stack is built and test-covered: 11 contracts (224 passing tests, including solvency invariants), 11 zk circuits with pinned verification keys, in-browser proving, and signature-only recovery. A public testnet demo is the next milestone; mainnet follows a security audit — not before.

What about compliance?+

Privacy is not anonymity from everyone, always. The design supports optional auditor-decryption at deposit time, so users who need a compliance trail can have one — chosen, not imposed.

Who can see my balance?+

You. Your balance lives as encrypted notes only your keys can open. The protocol sees commitments; explorers see proofs; your counterparties see a solvent market.

// EARLY ACCESS

The quiet money market.

open source · 224/224 tests green · audits being scoped · testnet demo next

No forms, no trackers. The waitlist is an email — fitting, for a privacy protocol.