SignetpayPrivate money that still works
SHIELD · 01 / 05One account, five jobs
0Balances, positions or cost basis left on the explorer
Fig. 01 — Shield

+   A self-custodial privacy neobank

Private money
that still works.

A self-custodial privacy neobank on Robinhood Chain. Your stablecoins and tokenized stocks stay invisible on-chain, and still earn yield, still spend on a card, still pass compliance.

Discover the account ↓
Signetpay / Robinhood ChainScroll to explore ↓
One account × five jobsNever a balance on the explorer
01

Shield × 0

↗
02

Earn × ~7%

↗
03

Spend × 100%

↗
04

Pay × 1

↗
05

Prove × 30d

↗
Same life, same money.
Nothing on-chain says how much.Shielded by zero-knowledge proofs

You open it like a neobank: a handle, a balance, a card, statements. Underneath is a note-based shielded pool secured by zero-knowledge proofs. Money comes in by bridge or transfer today, and lands as encrypted notes tied to your own spending key. From there it behaves like any bank account, except that nothing about it is public.

(Built on)

Rh↗

Robinhood Chain

Payroll-grade stablecoins and tokenized equities in one address.

Us↗

USDG

The dollar your salary, rent and card run on.

Un↗

Uniswap

Liquidity on Robinhood Chain for stock tokens and stables.

Ca↗

Visa · Mastercard

Apple Pay and Google Pay on top. Settled from shielded balance.

01 / Shielded pool↓02 / Rails you already use

Saturated on trading, empty on bankingRobinhood Chain

830M

USD in stablecoins on Robinhood Chain

750M

USD of TVL across the chain

41

DEXs

30

Launchpads

0

Private accounts on the chain today

~7%

Yield a shielded balance keeps earning

Number
01
Platform concept
+ (The shielded account)

Shield, hold, spend, prove

ShieldA bridge or a transfer today; licensed ramps planned
HoldEncrypted notes for USDG and tokenized stocks
Spend & payCard, stealth handles, recurring payments
ProveScoped viewing keys and ZK attestations
(The idea & illustrations)

  • Shielded balance

    One balance. Two assets.

    USDG×Stocks
    SIGNETPAYReference pairing / market concept
  • Account preview

    What the chain sees

    0

    Balances, positions or cost basis left on the explorer

    SIGNETPAYConcept preview / not live data
  • Sub-accounts · concept

    Vaults

    01Savings · yield on↗
    02Trading · stock tokens↗
    03Business · invoices in↗
    04Spending · card bound↗
    SIGNETPAYConcept preview / not live data
  • Client-side dashboard

    Decrypted in your browser

    24,310.52USDG · visible only to you
    • Balance↗
    • Positions↗
    • Cost basis↗
    • Memos↗
    • Tax export↗
    SIGNETPAYConcept preview / not live data
Number
02
Platform concept
+ (Private yield & card)

Hiding your balance costs you nothing

Yield~7% target, credited per note
RoutingPooled into Robinhood Chain venues
Auto-sweepIdle balance moves into the pool on its own
CardVisa · Mastercard · Apple Pay · Google Pay
ControlsPer-card limits, freeze, instant kill switch
GasA paymaster pays. You never hold the gas token
(The idea & illustrations)

  • Yield · preview

    Private yield

    ~7%

    Target, not a promise. It moves with the venues the pool is routed into.

    SIGNETPAYConcept preview / not live data
  • Rails · yield

    Yield

    01Robinhood Chain yield venues02Pooled deposits03Pro-rata per note04Auto-sweep05Private DCA
    SIGNETPAYConcept preview / not live data
  • Rails · card networks

    Card networks

    01Visa02Mastercard03Apple Pay04Google Pay05Per-card limits06Instant kill switch
    SIGNETPAYConcept preview / not live data
  • Rails · assets

    Assets

    01USDG02Tokenized stocks03Dividends and splits04A fresh note per fill05Encrypted memos
    SIGNETPAYConcept preview / not live data
Number
03
Platform concept
+ (Shielded payroll)

One batch, one transaction, one line per person

PayrollHundreds of people, one transaction
TreasuryCaps, approvals and co-signers
InvoicingSend a link. It shields itself on arrival
MerchantsCheckout SDK, no ZK plumbing
APIPayouts, reconciliation, webhooks
PricingSeat-based, from day one
(The idea & illustrations)

  • Payroll · preview

    Shielded payroll

    1

    Transaction to pay hundreds of employees or contractors

    SIGNETPAYConcept preview / not live data
  • Batch · concept

    Payroll batch · 42 recipients

    01One shielded treasury↗
    02Fresh stealth address × N↗
    03Each person reads only their line↗
    04Runway never published↗
    SIGNETPAYConcept preview / not live data
  • Finance team · concept

    Treasury controls

    Spending caps ↗Approval thresholds ↗Co-signers ↗Scoped viewing key ↗Auto-sweep ↗
    SIGNETPAYConcept preview / not live data
  • Rails · ramps

    Ramps and bridges

    01Bridge to Robinhood Chain02Uniswap on RHC03On-ramp · planned04Off-ramp · planned05Identity separation · planned
    SIGNETPAYConcept preview / not live data
Number
04
Platform concept
+ (Compliance built in)

Prove it without revealing it

ScreeningEvery shield and unshield, at the edge
Viewing keysRead-only, issued by you, and they can never spend
AttestationsBalance above X · held N months · not in a tainted set
IdentitySignetpay runs no identity checks
KeysPasskeys, hardware wallets, guardian recovery
Back doorsNone. No master viewing key
(The idea & illustrations)

  • Compliance · preview

    Disclosure

    0

    Master keys. Every viewing key is issued by you, and only by you

    SIGNETPAYConcept preview / not live data
  • Viewing keys · concept

    Every party gets a narrower answer

    30dExpiry planned
    • Accountant · a viewing key↗
    • Auditor · read-only, never spends↗
    • Lender · balance above X · planned↗
    • Card issuer · association set · planned↗
    • Counterparty · one stealth address↗
    SIGNETPAYConcept preview / not live data
  • Rails · keys

    Keys and recovery

    01Passkeys02Hardware wallets03Guardian recovery04Paymaster gas05Treasury multi-sig
    SIGNETPAYConcept preview / not live data
  • What Signetpay never sees

    Three things we designed ourselves out of

    Your positions ↗KYC next to chain activity ↗A permanent back door ↗
    SIGNETPAYConcept preview / not live data

+   The Signetpay idea

YOUR
money.
NOBODY'S
business.
How money moves01—05

One account that
earns, spends, pays and proves.

  1. 01Shield
  2. 02Earn
  3. 03Spend
  4. 04Pay
  5. 05Prove

Money enters through a bridge or a transfer, and lands as encrypted notes only your spending key can open. From there it earns, spends, pays and proves, and never puts a balance on the explorer. Licensed ramps and screening at the edge are what we build next.

Yield is a target, not a promise · Card, ramp and bridge services depend on third parties.

Your next account2026

A world of private moneySignetpay

One account, five jobs

Shield

LICENSED RAMPFIAT → USDGBRIDGEUSDG · STOCKSSCREENSHIELDED POOLENCRYPTED NOTESSCREENED AT THE EDGE · WHOSE BALANCE GREW STAYS HIDDEN
SIGNETPAYConcept preview / not live data
Rails · concept

Assets

01USDG02Stock tokens
SIGNETPAYConcept preview / not live data
One account, five jobs

Earn

SHIELDED POOLCREDITED PRO-RATA PER NOTEROUTEROBINHOOD CHAIN YIELD VENUES~7% · TARGETTHE CHAIN SEES THE POOL EARN · NOT YOUR NOTES
SIGNETPAYConcept preview / not live data
Rails · concept

Card networks

01Visa02Mastercard
SIGNETPAYConcept preview / not live data
Rails · concept

Keys & recovery

01Passkeys02Guardians03Hardware04+1
SIGNETPAYConcept preview / not live data
One account, five jobs

Pay

COMPANY TREASURY1 TRANSACTIONFRESH STEALTH ADDRESS × NONE BATCH · EACH PERSON READS ONLY THEIR OWN LINE
SIGNETPAYConcept preview / not live data
Rails · concept

Ramps & bridges

01On-ramp02Bridge
SIGNETPAYConcept preview / not live data
One account, five jobs

Prove

VIEWING KEYREAD-ONLYSCOPEDREVOCABLEACCOUNT HISTORYDATE RANGE ONLYEXPIRES30dTHEN GONEYOUR ACCOUNTANT SEES A YEAR · NOBODY SEES THE ACCOUNT
SIGNETPAYConcept preview / not live data
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