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Introduction

ZeroLedger turns USDC into private, yield-bearing digital cash for everyday payments

Why it's good for you

  • Practical Privacy — Only you and the person you pay see the amount. No mixing services; built to be private and compliant.
  • Fast and cheap — Payments go through in seconds. You pay cents, not dollars.
  • You stay in control — Your keys, your money. Works with wallets you may already use (MetaMask, Coinbase Wallet, Safe Wallet, etc.).
  • Your balance can earn — Funds in ZeroLedger earn yield automatically.
  • Selective audit — You can disclose full details of a single transaction to a regulator without handing over decryption keys.
  • Programmable — Compatible with smart wallets, escrows, and other EVM payment flows.

Where does the yield come from?

Your balance earns from:

  • Savings-style yield (e.g. via Morpho USDC Core Vault)
  • Fees that the system collects and shares back

How to use Zeroledger

  1. Put money in — You move funds from your normal wallet into ZeroLedger. They become “private”: the amount is hidden from the public record.
  2. Send or receive — You can pay anyone (they get a private balance too), or get paid. Amounts stay hidden; only you and the other person see them.
  3. Take money out — Whenever you want, you can move funds back to a normal wallet or send them to any address.

Under the hood, your balance is stored as separate “notes” with hidden values. When you pay, the system makes sure the math adds up without revealing the amounts. That’s how privacy and correctness work together.

Get started

New to this? Check out our Onboarding Guide, or explore the technical protocol documentation and tokenomics.

Disclaimer

ZeroLedger is experimental software. Use it at your own risk, as the creators are not liable for any losses, damages, or legal issues that may arise. Ensure compliance with your local laws and understand the risks before interacting with the protocol.