Confidential Payment Infrastructure

Move money like registered mail.

Settlement happens on-chain and stays verifiable — but the amounts travel sealed. Every payment ships with a notarized .nota receipt, so you can prove delivery without ever exposing the sum. Powered by the cAROUSD confidential rail.

Aro Media postmaster holding a sealed .nota envelope, banknote-engraving style
Sealed balance
$248,500.00
.nota receipt #42
Delivered · amount sealed
EIP-712VERIFIED
Built on the confidential-finance stack ERC-7984 ZAMA OPENZEPPELIN INCO BRIDGE.XYZ
One rail, sealed end to end

Everything you need to move value privately — and prove you did.

Five products on one confidential rail: encrypted settlement, notarized delivery, programmable treasury, compliant identity, and tokenized assets.

cAROUSD · Balance
$248,500.00
FHE-ENCRYPTEDERC-7984
Backed 1:1 · USDC / USDT in reserve

Confidential rail — cAROUSD

Every balance and transfer amount is FHE-encrypted. Only sender and recipient can decrypt their own numbers — yet settlement stays on-chain and auditable to entitled parties.

Explore the rail
.nota · Receipt#42
Recipient0x7f…3ab2
Amountsealed
AnchortokenId 42
EIP-712 verified · one per recipient

Xend / .nota — registered mail for money

A single signed envelope proves a payment happened — without disclosing the amount. Notarized (EIP-712), anchored on-chain, one per recipient.

See how it works
ROLE-GATEDone action · many sealed payouts

Treasury & payouts

Programmable, role-gated disbursement — one Treasury action, many private payouts.

Learn more
Member · 0x9c…SOULBOUND · NON-TRANSFERABLE
KYC
AllowlistAuthorized

Compliance / KYC

A soulbound, revocable membership passport gates every counterparty before funds ever move.

Learn more
Asset · A-118registry · tokenId 118
TokenizedSettles in cAROUSD

RWA settlement

Tokenized real-world assets settling against sealed stablecoin liquidity, on the same rail.

Learn more
Every payment ships a receipt

Proof of delivery, without the disclosure.

The .nota envelope confirms a payment landed and was notarized — while the amount stays sealed. Disclosure is opt-in, through the rail's existing regulator flow.

  • Notarized with EIP-712 signatures
  • Anchored on-chain — one envelope per recipient
  • Amount stays sealed — disclosure is opt-in
.nota · live Every envelope EIP-712 verified
  • Payroll delivered — 42 recipientsAmount sealed · one envelope eachnow
  • Vendor settlement — invoice #7731Terms private · anchored on-chain2m
  • Cross-border payout — via BridgeBank in, sealed rail, bank out5m
  • Escrow released — 3-party approvalMulti-signoff · receipt #589m
Sealed1,284 envelopes sealed todayamounts never disclosed
Traction

Built and shipped — into the largest payments category there is.

ShippedAudited and running today
250

Passing tests across the full contract suite, including encrypted mint / transfer / redeem.

12

Production Solidity contracts shipped, audited, and hardened.

The marketWhere the rail lands
~$10T

B2B cross-border flows — the largest payments category by 2030.

60×

B2B stablecoin volume growth over the last 30 months.

For developers

Deposit → sealed transfer → redeem. Working today.

No new contracts required — .nota reuses infrastructure already deployed. Verifiable two ways: by signature, no chain needed, or by on-chain anchor, no trust in Xend needed.

POST /xend/confidentialTransfer
confidentialTransfer({
  recipients: [
    { address: "0x…", amount: { disclosed: false } }
  ],
  onChainAnchor: { tokenId: 42 },
  signature: { alg: "EIP-712" }
})  ".nota" envelope
Request pilot access

Run a sealed payment on our rail.

By requesting access you agree to be contacted about the Sepolia pilot. No amounts are ever collected here.

Aro Media compliance inspector stamping a passport, banknote-engraving style

Your amounts stay sealed.

Regulatory cooperation is built in, not bolted on. The forced-transfer and disclosure mechanisms exist so privacy and lawful oversight aren't in tension — balances reveal only to an authorized party, on demand.

FHE-ENCRYPTEDTRAVEL RULE–READY