Not just an app on blockchain
— but financial infrastructure as blockchain itself.
zCloak Network is the first financial operating system that exists entirely as blockchain protocol.
Interfaces and business logic live on-chain, security is guaranteed by protocol, and enterprises operate finance with self-custody and auditability by design.
Immutable Frontends
Interfaces and logic are deployed on-chain. No mutable servers. No blind-signing.
Chain-Key Cryptography
Native multi-chain signing from one setup — no bridges or wrapped assets.
vetKey Encryption
Threshold encryption protects approvals, weights, and metadata while staying auditable.
Treasury Management
Create structured main and sub-wallets, enforce limits, and apply tags for full visibility and control —all executed with zero gas fees.
On-Chain Acquiring
Separate incoming flows into dedicated wallets, apply real-time KYT screening, and only release verified clean funds to the master account. This prevents 'tainted' inflows from contaminating enterprise reserves.
Multi-Sig Transfers
Configure role-based and weight-based approval logic, reuse standardized templates, and apply timelocks for large or sensitive transfers. Ideal for cross-border payouts, payroll, and settlement.
Governance Controls
Institutional-grade governance with escalation paths, approval policies, and emergency recovery ensures that treasury operations remain both secure and adaptable.
OS Modules
zCloak ID
Compliance & Identity at Scale
zCloak ID delivers the compliance and identity layer that enterprises need to operate globally while preserving user privacy.
Universal Compliance Connectors
Modular KYC, KYB, and KYT integrations built to adapt to diverse jurisdictional requirements.
Zero-Knowledge Identity Proofs
zk-KYC technology allows organizations to prove compliance without exposing sensitive personal or corporate data.
Audit-Grade Evidence Chain
Every identity and compliance event is recorded immutably on-chain, producing exportable, regulator-ready audit trails.
Scalable & Reusable Verification
High-throughput identity and entity checks designed for mass onboarding—where verified credentials can be securely reused across platforms, reducing friction and compliance costs.
OS Modules
zCloak AI
The Financial Interoperability Layer
zCloak AI creates the bridge between financial infrastructure and intelligent automation. It enables enterprises to extend treasury and compliance logic into AI-driven workflows.
Agent Support
Protocol-native APIs let AI agents initiate payments, trigger approvals, and reconcile accounts, enabling real-time autonomous operations.
Developer SDKs
Pre-built integration kits for ERP, treasury, and settlement systems reduce friction in connecting existing enterprise infrastructure.
Secure AI Permissions
Define granular task boundaries and execution rights for AI agents—ensuring they can automate workflows without overstepping enterprise control.
AI ↔ Finance Bridge
A secure and deterministic interaction layer where enterprise funds meet AI automation, making human-machine collaboration in financial operations practical and safe.
Who Do We Serve
We combine protocol-level security with enterprise-ready design. Governance, compliance, and payments are built in from the start, ensuring sovereignty without custodians and infrastructure that's ready for the future.
Cross-Border Businesses
Execute international payouts with multi-sig approvals, templates, and KYT checks, ensuring compliant and efficient transfers.
Enterprises & Treasury Teams
Unify multi-chain wallets into a governed treasury, enforce policies, and export audit-ready reports.
Payment Service Providers (PSPs) & Financial Institutions
Deploy branded acquiring tools and wallets built on zCloak OS, with compliance and settlement capabilities embedded by design.
And More...
Why Choose Us
Enterprise-Grade by Design
Governance, compliance, and reporting are built in from day one.
True Self-Custody
Protocol-level sovereignty — no custodians, no compromises.
Future-Proof Infrastructure
Native multi-chain, privacy-preserving, and agent-ready for tomorrow's AI-driven finance.