CloakPay

A privacy-first crypto neobank where amounts stay encrypted and you hold your own keys. Built for both humans and AI agents.

[CloakPay @cloakpayorg]

$CLOAKPAY is live on @base!

CA: 0x7Ff7447eB87982C67c4c02dA1157b0779099e45A

CloakPay is a non-custodial crypto neobank for humans and AI agents. Transfer amounts are encrypted on-chain using zero-knowledge proofs. Settlement takes under a second. You hold your own keys.

Learn more here: https://t.co/LZ80ILFPnh

Website:
https://t.co/Bgp95Y6wGw
GitHub: https://t.co/to2HVU5khq
Solscan: https://t.co/C0iYjBxzyc

[CloakPay @cloakpayorg]

@n0valiere Checking!

[CloakPay @cloakpayorg]

Just shipped a hardening pass on the $CLOAKPAY Solana contracts:

- saturating_sub → checked_sub on co-sign locks (silent balance corruption)
- double-close guard on agent wallets (was double-decrementing policy.wallet_count)
- wrong error codes fixed across memo, nonce, and balance checks
- update_policy now re-validates spending limits post-update
- 60s minimum on co-sign timeout

View changes on GitHub: https://t.co/2cprAVnn2q

[CloakPay @cloakpayorg]

@Cryptine10 We have not deleted any comments, please let us know which ones you are referring to.

[CloakPay @cloakpayorg]

@RuggedWojak @osaidbk Seems like we got wrongly reported, resolving this right now.

[CloakPay @cloakpayorg]

Demo video: deposit USDC, order a virtual card, ready to spend online. Start to finish in the web app.

Pick Visa or Mastercard. Type a name. Set a spending limit if you want one. Confirm.

The balance behind it stays confidential on chain. The card draws against it.

Try now on: https://t.co/QPh08Onwrq

[CloakPay @cloakpayorg]

Our DMs are open to any user who needs technical support!

[CloakPay @cloakpayorg]

@RetardedNi85688 Yes we are working on more integrations with respect to our roadmap. This is just the start.

[CloakPay @cloakpayorg]

Open source code. Closed by default amounts. Keys you alone hold. Settlement in under a second on Solana.

That's the whole pitch. The rest is implementation.

[CloakPay @cloakpayorg]

@serpenstrading @RetardedNi85688 Will DM you!

[CloakPay @cloakpayorg]

@RetardedNi85688 Yes CloakPay is open source.

[CloakPay @cloakpayorg]

The on-chain spending policy for a CloakPay agent wallet:

- max_per_tx
- max_per_day / max_per_month
- velocity_cap (txs per hour)
- allowed / blocked recipients
- require_co_sign threshold
- confidential_only
- expires_at

All of it enforced by the program. None of it on the client.

View on GitHub: https://t.co/XzpCylOZeG
View on Solscan: https://t.co/e0Vb739Ql0

[CloakPay @cloakpayorg]

@RetardedNi85688 Can you link such a post? We are not waitlist only, we are live and open for use.

[CloakPay @cloakpayorg]

@RetardedNi85688 Yes! Both physical and virtual cards are available already on CloakPay.

https://t.co/TzwpqwL5cd

[CloakPay @cloakpayorg]

Three fields to order a card. No income statement, no credit check, no waiting for an underwriter to decide.

The balance behind it is confidential by default. Limits are per-card and you set them. Issuance is instant for virtual, days for physical.

Only on $CLOAKPAY.

[CloakPay @cloakpayorg]

Three fields to order a card. No income statement, no credit check, no waiting for an underwriter to decide.

The balance behind it is confidential by default. Limits are per-card and you set them. Issuance is instant for virtual, days for physical.

Only on $CLOAKPAY.

[CloakPay @cloakpayorg]

@PLEXZANDER Sure!

[CloakPay @cloakpayorg]

@Ren_Slayer1 These wallets/tokens do not belong to us. The only supply we have was bought by the dev wallet which was then locked for 3 months.

[CloakPay @cloakpayorg]

Our project has been public on GitHub since day one.

GitHub: https://t.co/HfRQMwgkmX

[CloakPay @cloakpayorg]

Our open code, your private money.

The CloakPay GitHub organization is public. Programs, clients, platform application, every line auditable.

What stays private is your balance and your transfer amounts. Not our implementation.

View on GitHub: https://t.co/HfRQMwfMxp

[CloakPay @cloakpayorg]

@Ren_Slayer1 We do not currently hold any supply other than what has been locked for 3 months from the dev wallet.