Monaris Private
Private-by-default stablecoin payments. Counterparties, amounts, and patterns are shielded. One button, zero gas, no protocol to learn.
Status: Live
Private money movement is live. Every payment through Monaris routes privately by default.
Monaris Private is a private payment rail built on RAILGUN's shielded pool. Counterparties, amounts, and patterns are hidden from public chain view. You never touch a protocol. You see one button: Pay privately.
The UX breakthrough
Most privacy tools force a separate wallet, manual funding, two balances, gas on every transaction, and an understanding of ZK circuits. Monaris removes all of it.
| What you deal with | Other privacy tools | Monaris Private |
|---|---|---|
| Wallet setup | Create a separate privacy wallet | Use your existing wallet |
| Funding | Manually transfer in | One-click shield |
| Addresses | Track public and private | One address |
| Gas | Pay per transaction | Gasless, fees sponsored |
| Proofs | Manual or CLI | Automatic, silent, in-browser |
| Recovery | Lose keys, lose funds | Re-derivable from your signature |
The result: privacy that feels like a feature toggle, not a protocol migration.
How it works
- Log in with your wallet. Monaris silently derives a RAILGUN wallet in the background.
- Click Shield to move USDC from your public balance into your private balance.
- Send private payments. One click, gasless, fully shielded.
- Recipient gets the full amount; a private receipt is stored. The invoice marks cleared and the Score signal registers.
- Unshield back to your public balance anytime.
What the chain sees: a ZK proof that a valid transaction occurred. Not who, not how much, not the counterparty. What you see: "Payment sent privately." Receipt in account. Invoice cleared.
Privacy guarantees
| Property | Status |
|---|---|
| Sender identity | Shielded (ZK proof) |
| Recipient identity | Shielded (ZK proof) |
| Transaction amount | Shielded (ZK proof) |
| Payment patterns | No linkability between transactions |
| Proof of payment | Available via Viewing Key, for compliance |
Secrets as a Service, programmable privacy
Set rules that decide what stays private and what can be disclosed. They run automatically:
- "All payments above $5,000 are always private."
- "Payroll is private, but generate a verifiable receipt."
- "Private by default, except when I choose to share a proof."
Selective disclosure lets you prove a specific claim without revealing the data behind it: "this invoice was paid on time", "income exceeded $3,000 this month", "my Score is above 700".
FAQ
Do I need to do anything to make payments private? No. Privacy is the default on every payment.
Do I manage a separate 0zk wallet? No. It's derived automatically from your existing wallet; you never see it.
Can I make a payment public? Yes. Transparency is opt-in.
Does privacy affect my Score? No. The Score uses internal verified signals and is designed to coexist with full privacy.
Is proof generation done on a server? No. All ZK proofs, key derivation, and wallet management run entirely in the browser. Servers never see unencrypted key material.