Pre-migration documentation. This site reflects the pre-migration state of the protocol. It’s mostly current, but a few edges may not match ZERA at launch. We’re finalizing the new, detailed ZERA docs now. Thanks for your patience.
Real‑World Applications
Where and How Zero‑Knowledge Cash Can Be Used
Key Applications
Beyond Traditional Banking
Microtransactions: Send tiny amounts without revealing your identity
Decentralized Finance: Access financial services without intermediaries
Cross‑border Payments: Send money globally without currency controls
Programmable Money: Create smart contracts with privacy
Real‑World Use Cases
Employees receive salary without revealing their income to colleagues or competitors
Benefits:
- Privacy from coworkers
- Protection from salary discrimination
- Financial independence
Companies can pay suppliers and receive payments without revealing financial details
Benefits:
- Competitive advantage
- Protection from industrial espionage
- Confidential partnerships
Individuals can manage their finances without banks or governments tracking every transaction
Benefits:
- Financial privacy
- Protection from theft
- Freedom from surveillance
Send money across borders without revealing personal financial information
Benefits:
- Privacy from governments
- Protection from currency controls
- Confidential family support
Why Privacy Matters in Finance
Financial privacy isn't about hiding illegal activities — it's about fundamental human rights. Just like you wouldn't want your medical records or personal conversations broadcast publicly, your financial information deserves the same protection.
No balance exposure: No one can see how much money you have
No transaction history: Your financial past stays private
No spending patterns: Your behavior can't be analyzed
Still verifiable: Transactions are secure and legitimate
The Problem with Transparent Money
Traditional financial systems create several problems:
- Discrimination: People can be judged based on their spending habits
- Targeting: Criminals can identify wealthy individuals to rob
- Surveillance: Governments and corporations track every transaction
- Manipulation: Advertisers use financial data to manipulate behavior
- Control: Authorities can freeze accounts or block transactions