Confidential Payments API · Sandbox waitlist open

Move money. Show no one.

Public chains broadcast every amount — to everyone, forever. ARO seals them. Settlement stays on-chain. The numbers stay yours. Every payment ships a signed .nota receipt.

AroPay postmaster holding a sealed .nota envelope, banknote-engraving style
POST /v1/transfersSANDBOX
const sealed = await aro.encrypt(amount)
POST /v1/transfers
{ "to": "0x7f…3ab2", "amount": sealed.handle }

→ 201 { "status": "settled", "nota": "#42" }
.nota receipt #42
Delivered · amount sealed
EIP-712VERIFIED
Built on the confidential-finance stack ERC-7984 ZAMA OPENZEPPELIN INCO BRIDGE.XYZ
The API

Four calls. That's the whole rail.

Mint sealed dollars 1:1. Move them encrypted — only sender and recipient can read the amount. Redeem to stables. Verify any payment, by signature or by anchor. Live on Sepolia today; REST ships with the sandbox.

POST /v1/depositsSANDBOX
POST /v1/deposits
{
  "recipient": "0x9c…41e0",
  "stable": "USDC",
  "amount": "250000.00"
}
// on-chain today: commitDeposit(recipient, stable, amount) → netAmount

→ 201 { "minted": "cAROUSD", "netAmount": "sealed", "backed": "1:1" }

REST + SDK surface in progress · today: Solidity 0.8.27 on Sepolia · 8 verified contracts · 250 passing tests

Capabilities

One integration. Five capabilities.

Sealed settlement. Notarized receipts. Programmable payouts. Compliant identity. Asset settlement. One credential, one mental model: the sealed envelope.

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

Confidential dollars — cAROUSD

/v1/transfers

Every amount encrypted. Only two parties can read it. The chain still settles — and auditors still see what they're entitled to.

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

Xend / .nota — registered mail for money

/v1/nota

One signed envelope proves the payment happened. The amount stays sealed. Notarized, anchored, one per recipient.

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

Payouts & treasury

/v1/payouts

One treasury action. Many sealed payouts. Every recipient gets an envelope — no one gets the total.

See it in the API
Member · 0x9c…SOULBOUND · NON-TRANSFERABLE
KYC
AllowlistAuthorized

Identity & compliance

/v1/identity

A soulbound passport gates every counterparty. No KYC, no movement. Revocable at any time.

See it in the API
Asset · A-118registry · tokenId 118
TokenizedSettles in cAROUSD

Asset settlement

/v1/assets

Tokenized assets. Sealed liquidity. Same rail.

Discuss a pilot
The receipt layer

Prove the payment. Not the amount.

Every transfer returns a .nota — a signed EIP-712 receipt. Verify it by signature: no chain needed. Or by anchor: no trust needed.

  • 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. Audited. Aimed at the biggest prize in payments.

ShippedAudited and running today
250

Passing tests — including encrypted mint, transfer, and redeem.

12

Production contracts. Audited, hardened, live.

Deployed surface — Sepolia · Solidity 0.8.27 · Verified
cAROUSDAroLiquidityCommitmentAroSBTAroMediaRWAAssetsRegistryForcedTransferManager+2
The marketWhere the rail lands
~$10T

B2B cross-border by 2030. The market this rail is built for.

60×

B2B stablecoin growth in 30 months. It's not slowing.

Sandbox access

Request sandbox access.

Keys, docs, SDK — in progress. Tell us what you're building. We answer in order.

By requesting access you agree to be contacted about the developer sandbox and the Sepolia pilot. Nothing here touches a chain, and no amounts are ever collected.

AroPay compliance inspector stamping a passport, banknote-engraving style

Your amounts stay sealed.

Privacy and oversight aren't in tension. Balances reveal only to an authorized party, on demand. Built in, not bolted on.

Want a guided pilot? Choose “Enterprise pilot” above. Same rail, our team driving.

FHE-ENCRYPTEDTRAVEL RULE–READY