Confidential Payment Rails
Private payroll, B2B invoicing, and cross-border transfers. Stablecoin payments with the privacy businesses expect.
The Transparency Tax
On-chain payments expose everything. Salaries, vendor deals, pricing. All public. Businesses can't operate this way.
Salary Exposure
Every employee's compensation visible forever
Creates internal tension and retention risk
Vendor Pricing Leaked
Contract amounts and payment terms publicly viewable
Competitors undercut your deals
Cash Flow Visible
Treasury movements reveal business health to competitors
Loss of strategic advantage
Cross-Border Surveillance
International payments expose relationships and jurisdictions
Privacy concerns for senders and receivers
Privacy-First Payment Infrastructure
NixProtocol enables stablecoin payments with bank-level confidentiality. Hide amounts, protect relationships, maintain compliance. All on-chain.
- Private payroll and contractor payments
- Confidential B2B invoicing
- Hidden payment amounts and schedules
- Compliant cross-border transfers
- Protected vendor relationships
// Initialize private payment channel
const channel = await nixPayments.create({
sender: companyVault,
currency: "USDC",
compliance: { aml: true, kyc: "verified" }
});
// Send private payment
const payment = await channel.transfer({
to: vendorAddress,
amount: encryptedAmount, // Hidden
memo: encryptedMemo, // Hidden
invoice: invoiceHash // Reference only
});
// Recipient verifies without seeing source
await payment.verify();
// Returns: { valid: true, settled: true }Components for Payment Providers
Privacy primitives for financial infrastructure.
NixPool SDK
Process USDC, USDT, and custom stablecoins with batch payment capabilities
Batch payment processing
NixPool Contract
Manage payroll schedules, vendor payments, and recurring transfers privately
Cash flow data stays confidential
Noir Circuits
Prove payment completion and fund sufficiency without revealing amounts
Auditable without exposure
Nix Relayer
Maintain AML/KYC records with selective disclosure to regulators only
Meet requirements without broadcasting
Nix Wallet
Verify counterparty credentials without creating on-chain identity links
Trusted yet private relationships
Payment Use Cases
Confidential payment flows built on NixProtocol primitives.
Private Payroll
Pay employees in stablecoins without revealing individual salaries, bonus amounts, or payment schedules.
Components Used
Benefits
- Hidden compensation amounts
- Private bonus payments
- Confidential contractor rates
- Protected salary equity
// Conceptual integration pattern
// Set up private payroll
const payroll = await nixPayments.createPayroll({
employer: companyVault,
frequency: "monthly",
currency: "USDC"
});
// Add employees with encrypted salaries
await payroll.addEmployee({
id: employeeId,
salary: encryptedAmount,
vestingSchedule: encryptedVesting
});
// Execute payroll - amounts stay private
const batchProof = await payroll.executeBatch({
period: "2024-01",
totalBudget: encryptedTotal
});B2B Invoice Payments
Settle invoices between businesses without exposing contract values, payment terms, or vendor relationships.
Components Used
Benefits
- Hidden contract values
- Private payment terms
- Confidential vendor relationships
- Protected pricing data
// Conceptual integration pattern
// Create private invoice
const invoice = await nixPayments.createInvoice({
from: buyerCompany,
to: sellerCompany,
amount: encryptedAmount,
terms: encryptedTerms,
dueDate: dueTimestamp
});
// Pay with compliance proof
const paymentProof = await nixZK.proveInvoicePayment({
invoice: invoice.id,
amount: encryptedAmount,
complianceCheck: amlClearance
});
await nixPool.transferPrivate(paymentProof);Cross-Border Remittances
Enable international money transfers that hide sender, receiver, and amounts while maintaining regulatory compliance.
Components Used
Benefits
- Private sender/receiver
- Hidden transfer amounts
- Compliant with regulations
- Lower fees than traditional
// Conceptual integration pattern
// Initiate cross-border transfer
const transfer = await nixPayments.crossBorder({
from: { region: "US", id: senderKycProof },
to: { region: "MX", id: receiverKycProof },
amount: encryptedUSD,
purpose: "family_support" // encrypted
});
// Compliance layer verifies without seeing details
const complianceProof = await nixCompliance.verify({
transfer: transfer.id,
regulations: ["US-FinCEN", "MX-CNBV"],
proofs: [senderProof, receiverProof]
});Merchant Payments
Accept crypto payments from customers without revealing purchase amounts or customer spending patterns.
Components Used
Benefits
- Private purchase amounts
- Hidden customer patterns
- Instant settlement
- No chargebacks
// Conceptual integration pattern
// Initialize merchant account
const merchant = await nixPayments.createMerchant({
businessId: merchantRegistry,
settlementVault: encryptedVault,
acceptedCurrencies: ["USDC", "USDT"]
});
// Process customer payment
const payment = await merchant.acceptPayment({
amount: encryptedAmount,
customerProof: nixZK.proveBalance(customerWallet),
orderId: encryptedOrderRef
});
// Settle to merchant - only total visible
await merchant.settleDaily(batchProof);Subscription Billing
Manage recurring subscription payments without exposing subscriber lists, pricing tiers, or churn data.
Components Used
Benefits
- Hidden subscriber counts
- Private pricing tiers
- Confidential MRR data
- Protected churn metrics
// Conceptual integration pattern
// Create subscription plan
const plan = await nixPayments.createSubscription({
provider: serviceVault,
tiers: encryptedPricingTiers,
billingCycle: "monthly"
});
// Subscribe user privately
await plan.subscribe({
user: userId,
tier: encryptedTier,
paymentMethod: userVault
});
// Automatic renewal - amounts hidden
const renewalProof = await nixZK.proveRecurringPayment({
subscription: subId,
cycle: currentCycle,
amount: encryptedAmount
});Escrow & Milestones
Hold funds in escrow and release on milestone completion without revealing deal terms or payment schedule.
Components Used
Benefits
- Hidden deal values
- Private milestones
- Trustless release
- Dispute resolution
// Conceptual integration pattern
// Create escrow agreement
const escrow = await nixPayments.createEscrow({
buyer: buyerVault,
seller: sellerVault,
totalAmount: encryptedTotal,
milestones: encryptedMilestones
});
// Fund escrow privately
await escrow.fund({
amount: encryptedDeposit,
proof: nixZK.proveSufficientFunds(buyerVault)
});
// Release on milestone completion
const releaseProof = await nixZK.proveMilestoneComplete({
escrow: escrow.id,
milestone: 1,
deliverableHash: workHash
});
await escrow.release(releaseProof);Multi-Currency Support
Private transfers for any ERC-20 token with focus on major stablecoins.
USDC
Circle
Fiat-backed
USDT
Tether
Fiat-backed
DAI
MakerDAO
Crypto-backed
PYUSD
PayPal
Fiat-backed
Plus any ERC-20 compatible token on supported networks
Compliance Features
Travel Rule Support
Share required information with counterparty VASPs only
AML Screening
Verify addresses against sanctions lists without exposing transaction data
Audit Trails
Encrypted logs accessible to authorized auditors with decryption keys
Regulatory Reporting
Generate compliant reports without public data exposure
Privacy + Compliance
NixProtocol's compliance module enables payment providers to meet regulatory requirements without sacrificing user privacy.
Designed for licensed money transmitters, payment processors, and financial institutions operating under regulatory oversight.
Build Private Payment Infrastructure
Testnet live on Avalanche Fuji & Base Sepolia with full auditor compliance. Try the demo or talk to our team about integration.