ShadowPayShadowPay

The privacy-first neobank
for humans and AI agents.

Confidential on-chain transactions, native agent payments via x402, and multi-path privacy routing, all settled on Solana in under 400ms.

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ShadowPayShadowPay
Settings
T
Toly
Accounts
6 accounts · balances confidential by default, settled on Solana.
+ Create account
Search accounts, handles...
Most recent
AllHumanAgent
Primary AccounthumanPrimary
@you.shadow
•••••
USDC · confidential

Your primary ShadowPay account.

Privacy tier
Confidential
Status
Active
Send payment
Treasuryhuman
@you-treasury.shadow
•••••
USDC · shielded

Reserve account for larger transfers and agent funding.

Privacy tier
Shielded
Status
Active
Send payment
DataFetch Agentagent
you-datafetch.shadow
•••••
USDC · confidential

Autonomous account for x402 data API purchases.

$5/request$50/day2 domains
Privacy tier
Confidential
Status
Active
Send payment
Research Opsagent
you-research-ops.shadow
•••••
USDC · shielded

Shared workspace account for a research agent cluster.

$25/request$200/day2 domains
Privacy tier
Shielded
Status
Active
Send payment
AgentPay Routeragent
you-agentpay-router.shadow
•••••
USDC · confidential

Routes MPP-split payments across downstream agents.

$10/request$100/dayany domain
Privacy tier
Confidential
Status
Paused
Send payment
Payrollhuman
@you-payroll.shadow
•••••
USDC · confidential

Monthly contractor and payroll disbursements.

Privacy tier
Confidential
Status
Active
Send payment

The financial layer for AI agents is here. ShadowPay gives it privacy. A non-custodial neobank where humans and agents transact confidentially, and every settlement is verified on Solana.

FIG 0.2

Private by default

Every transfer is confidential from the moment it leaves your account. Amounts are encrypted using ZK proofs, verifiable on-chain and invisible to observers.

FIG 0.3

Built for AI agents

Agent accounts resolve x402 payment requests autonomously. Programmable spending policies, MPP routing, and DID-based identity are all enforced on-chain.

FIG 0.4

Settled on Solana

Transactions finalise in under 400ms at a fraction of a cent. Every settlement is permanently recorded: transparent infrastructure, private activity.

One account.
Two kinds of principals.

Human accounts and AI agent accounts live under the same protocol. Non-custodial, ZK-shielded, and governed by on-chain spending policies instead of server-side rules.

1.0Accounts→
Accounts
Search .shadow handles...
AllHumanAgentEnterpriseShieldedConfidential
Trendingalice.shadowpayroll.shadowresearch-agent.shadow
alice.shadowFeatured
7xKpR3...n0aM
•••••
USDC
humanconfidential
Confidential84.3k vol★ 4.9
payroll.shadowFeatured
4Nd1mF...7iWr
•••••
USDC
payrollmultisig
Shielded31k vol★ 4.8
research-agent.shadow
Gr7pL4...fEz
•••••
USDC
agentx402
Confidential38.9k vol★ 4.8
treasury.shadow
BzT9wR...rX
•••••
USDC
treasurysquads
Shielded210k vol★ 4.9
1.1Human Accounts1.2Agent Accounts1.3Multi-sig Vaults1.4.shadow Handles

Confidential by default.
Auditable by choice.

Amounts are encrypted with ElGamal and proven correct via ZK range proofs, hidden from all observers yet verifiable on-chain. Share a view key to disclose selectively.

2.0Privacy→
Account Dashboard · legalarc.shadow
+ Create account
Balance (30d)
$1,946.56+14%
Transfers (30d)
600+22%
Active accounts
2
Avg success
98.2%+0.4%
Daily balance
$1,946.56
+14% vs last period
Mon
Tue
Wed
Thu
Fri
Sat
Sun
Your accounts
payroll.shadowactive
Human
Transfers
412
Balance
$1449.28
Success
97.6%
research-agent.shadowactive
Agent
Transfers
188
Balance
$497.28
Success
98.8%
treasury.shadowdraft
Human
Recent payouts
payroll.shadow+$3.52
from 4Nd1m...kR7x
5kJz...p9Qw
research-agent.shadow+$2.64
from 9Wqr...mN3d
2hBn...r4Ks
payroll.shadow+$3.52
from 7Lpt...vB8x
8mCv...j7Yt
2.1Confidential Amounts2.2Shielded State2.3ZK Range Proofs2.4View Keys

AI agents that pay
for themselves.

Agent accounts resolve x402 payment requests natively, with no human in the loop. Programmable spending policies enforce limits on-chain, and MPP routing splits payments for privacy.

3.0Agents→
Agents · Engineering
Connected agents
Codex
OpenAI
3
GitHub Copilot
GitHub
Cursor
Cursor AI
1
Meg
ShadowPay
5
Claude
Anthropic
Terminal - Meg · ENG-2088
$ shadowpay agent run --issue ENG-2088
✓ Agent Meg assigned to ENG-2088
Analyzing issue context...
Fetching related PRs from GitHub...
✓ Found 3 related commits
Drafting implementation plan...
→ Created branch: meg/eng-2088-auth-migration
✓ PR #412 opened for review
$ _
3.1x402 Protocol3.2Spending Policies3.3Agent SDK3.4MPP Routing3.5Agent Hierarchies

Every transaction,
routed for privacy.

Multi-Path Payments split transfers across parallel routes, obscuring the total value from on-chain observers. Atomic settlement. Stealth addresses make receipts unlinkable.

4.0Protocol→
Transaction History
Settled
5
Failed
1
Flagged
1
Total sent
$16.50
StatusTransferAmount
settled
Confidential transfer to research-agent.shadow
txn_7a2bk1 · Apr 26 · 14:32
$4.00
settled
MPP-routed payout to 4 recipients
txn_3m9px4 · Apr 26 · 14:21
$3.00
settled
x402 payment for API data resource
txn_1q5wr8 · Apr 26 · 11:08
$1.00
failed
Squads multisig transfer, 3-of-5 approval
txn_2r7kw9 · Apr 24 · 09:31
n/a
flagged
Batched MPP settlement, 6 downstream agents
txn_4t1js5 · Apr 23 · 22:07
$1.50
Transfer receipt
settled
ID
txn_7a2bk1
Account
alice.shadow
Time
Apr 26 · 14:32
Duration
22s
Amount
$4.00 USDC
Result hash (Solana)
sha256:8f3a2c1d9e4b7f6a0c5d8e2f1a4b7c9d3e6f2a1b...
Transaction
5kJzR3mP9wQvN2xBh8yK4cLt6...

Selective disclosure.
Full verifiability.

Transaction existence is always on-chain. Amounts stay encrypted. Share a view key to grant read-only access to an auditor, without exposing data publicly or surrendering custody.

5.0Transparency→
Analytics
7d30d90d
Total transfers
2,852+18%
Total volume
$430.02+1%
Avg per transfer
$0.15-4%
Success rate
96.4%+0.3%
Transfers per day
Mon
Tue
Wed
Thu
Fri
Sat
Sun
Top accounts by transfer volume
payroll.shadow412 txns · $32.96
alice.shadow188 txns · $33.84
research-agent.shadow167 txns · $25.05
treasury.shadow143 txns · $12.87
agent-router.shadow118 txns · $7.08
Other184 txns · $19.22
Volume by privacy tier
Confidential$57.91
Shielded$40.92
Agent (x402)$21.53
MPP routed$18.44
Full privacy$14.22
Total$152.82
Activity heatmap
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5.1On-chain Receipts5.2Selective Disclosure5.3Audit Exports

Private banking,
on Solana.

Join the revolutionRead the docs