A bank account the block explorer can't read
Encrypted note balances for USDG and tokenized stocks. Holdings, position sizes and cost basis stay hidden. Yield, the card and payments keep working exactly as they would anywhere else.
Four things a bank account does. Noirpay does them from a balance nobody can see.
- 01
Shield
Money comes in through a licensed ramp or a bridge, is screened at the edge, and lands as encrypted notes tied to your own spending key.
- 02
Hold
Notes earn yield in the background. Split them into vaults for savings, trading, business and spending. Idle balance sweeps into the pool on its own.
- 03
Spend and pay
The card settles from shielded balance. Payments go to stealth addresses, on a schedule if you want, with nothing repeating on-chain.
- 04
Prove
Hand your accountant a viewing key scoped to the tax year, or your lender a proof of funds. Both expire. Both can be pulled early.
On Robinhood Chain a public wallet is a payslip, a brokerage statement and a net-worth figure in one
Payroll-grade stablecoins and tokenized equities sit in the same address. That is what makes RHC the one chain where a private account matters most.
Your holdings, encrypted end to end
Notes are decrypted in your browser. The server never sees your positions, and neither does anyone reading the chain.
Shielded account
Encrypted note balances for USDG and tokenized stocks. Holdings, position sizes and cost basis stay hidden.
Sub-accounts and vaults
One identity, separate shielded buckets for savings, trading, business and spending.
Client-side portfolio dashboard
Your portfolio decrypts locally in the browser. The server never sees your positions.
Encrypted transaction memos
Private bookkeeping labels, readable only by you or a viewing-key holder.
Automatic note consolidation
Your encrypted notes are defragmented in the background, so proofs stay fast and fees stay low.
Corporate actions for tokenized stocks
Dividends and splits are credited to shielded holders without revealing who holds what.
Hiding your balance costs you nothing
Target, not a promise. It moves with the venues the pool is routed into.
Private yield routing
Shielded deposits are pooled into Robinhood Chain yield venues. Returns come back pro-rata, per note. Hiding your balance costs you nothing.
Auto-sweep
Idle balance above a threshold moves into the yield pool on its own.
Private DCA into tokenized stocks
Buy on a schedule. Every fill settles into a fresh note, so nobody can reconstruct your position.
Spend from shielded balance
A Visa or Mastercard that settles straight from your notes, with Apple Pay and Google Pay. No unshield step, no gas token, no wallet address on the receipt.
Private card spend
Visa or Mastercard settles straight from shielded balance. Apple Pay and Google Pay on top.
Card and device controls
Per-card and per-device spending limits, freeze, and an instant kill switch.
Gas sponsorship
A paymaster pays the gas. You never hold the chain's gas token.
Pay without leaving a pattern
Handles mint a fresh address per payment. Recurring payments don't repeat on-chain. Withdrawals are split and staggered so nobody can match an exit to an entry.
Stealth payment handles
A fresh receiving address per payment, so a shared handle can't be used to scrape your balance.
Private recurring payments
Rent, retainers and subscriptions without publishing a repeating on-chain pattern.
Shielded escrow
Amount and counterparty stay hidden until release. Built for OTC blocks and freelance milestones.
Time-decorrelated withdrawals
Exits are scheduled and split, so an unshield can't be matched to a shield by timing.
Anonymous invoicing
Send an invoice link. The payment shields itself on arrival.
Fiat ramps with identity separation
Licensed on- and off-ramps. KYC records never link to on-chain activity.
Self-custodial, and still recoverable
Your spending key never leaves your device. Guardians, passkeys and hardware wallets mean a lost phone isn't a lost account.
Social recovery
Guardians, passkeys and hardware wallets. A lost device isn't a lost account.
Scoped viewing keys
Read-only access to a specific date range, for an accountant, auditor or lender. Revoke it whenever you like.
Private tax and accounting export
CSV or PDF, generated locally from a viewing key. Nothing leaves your machine.