Compliance is built in, not bolted on
Sanctions screening on entry and exit, association-set proofs so clean users can show they aren't in a tainted pool, and expiring disclosure keys for auditors. That is the difference between a product card issuers will underwrite and one they won't.
Screened on the way in and on the way out
Privacy inside the pool, checks at its boundary. The pool stays clean because nothing sanctioned gets in, and clean users can prove it.
Edge compliance screening
Sanctions screening on every shield and unshield, plus association-set proofs that demonstrate pool hygiene.
Fiat ramps with identity separation
Licensed on- and off-ramps. KYC records never link to on-chain activity.
Time-decorrelated withdrawals
Exits are scheduled and split, so an unshield can't be matched to a shield by timing.
Show exactly what's needed, to exactly who needs it, for exactly as long
A viewing key is read-only, scoped to a date range, and revocable. Set an expiry and it revokes itself.
Scoped viewing keys
Read-only access to a specific date range, for an accountant, auditor or lender. Revoke it whenever you like.
Programmable disclosure expiry
Set an expiry and the viewing key revokes itself. No key lives forever.
Encrypted transaction memos
Private bookkeeping labels, readable only by you or a viewing-key holder.
Private tax and accounting export
CSV or PDF, generated locally from a viewing key. Nothing leaves your machine.
Prove it without revealing it
Zero-knowledge proofs answer yes-or-no questions about a shielded balance. Balance above X. Held N months. Not in a tainted set. The account itself stays closed.
Zero-knowledge proof of funds
Prove a balance above X, or that you held a position for N months, without revealing the account.
Collateral attestation
A lender accepts a proof of shielded holdings instead of watching a public wallet.
Corporate actions for tokenized stocks
Dividends and splits are credited to shielded holders without revealing who holds what.
Every party that used to need your whole wallet gets a narrower answer
Self-custodial from the first note
Your spending key is yours. Noirpay runs the pool and the proofs, not your money.
Social recovery
Guardians, passkeys and hardware wallets. A lost device isn't a lost account.
Client-side portfolio dashboard
Your portfolio decrypts locally in the browser. The server never sees your positions.
Card and device controls
Per-card and per-device spending limits, freeze, and an instant kill switch.
Shielded treasury multi-sig
Co-signers on the treasury, for companies that can't put funds behind a single key.
Automatic note consolidation
Your encrypted notes are defragmented in the background, so proofs stay fast and fees stay low.
Gas sponsorship
A paymaster pays the gas. You never hold the chain's gas token.
Three things we designed ourselves out of
Your positions
Notes decrypt in your browser. The dashboard, the statements and the tax export are all generated locally.
Your KYC record next to your chain activity
Identity checks live with the licensed ramp. Noirpay never holds both halves of that link.
A permanent back door
There is no master viewing key. Every disclosure is scoped, time-boxed and issued by you.