Cloak
Create01Spend02How03Features04Docs05Paper06
Dashboard
v0.1 · mainnet live[ block #19,482,330 ]sol · launch asset

Spend crypto.
Stay invisible.

Cloak is the private spending layer for on-chain money. Mint a card, swap between assets, or send peer-to-peer — without KYC, without custodial risk, without leaving a trail.

Create a cardHow it works
relayer online · 42ms
180+
countries
$5 – 10k
per card
0
kyc required
Cloak · archived
SEALED 03·26 · CLK-007
4242 •••• •••• 9930
Cardholder
ANON · 0x7a…991
Limit
$10,000.00
Cloak · virtual
ISSUED 04·26 · CLK-018
4242 •••• •••• 0118
Cardholder
ANON · 0x9f…af2
Limit
$2,500.00
Cloak · live
ISSUED NOW · CLK-019
4242 •••• •••• 4841
Cardholder
ANON · 0xb1…c04
Limit
$1,250.00
zk.prove
relayer · 3-hop
settled · 1.2s
02 / 03
Funded with
USDC
ZK proof
✓ verified
Limit
$2,500.00
ZERO-KNOWLEDGE PROOFS◆NO KYC◆180+ COUNTRIES◆APPLE PAY · GOOGLE PAY◆SOL TODAY · MORE ASSETS SOON◆NON-CUSTODIAL◆RELAYER-BACKED PRIVACY◆OPEN-SOURCE AUDITS◆ZERO-KNOWLEDGE PROOFS◆NO KYC◆180+ COUNTRIES◆APPLE PAY · GOOGLE PAY◆SOL TODAY · MORE ASSETS SOON◆NON-CUSTODIAL◆RELAYER-BACKED PRIVACY◆OPEN-SOURCE AUDITS◆
01 / Create Card

Mint a card. Burn it after lunch.

Generate a virtual card in under ten seconds. Fund with $5 to $10,000. Spend globally through Visa, Apple Pay or Google Pay — then discard.

  • ●No email, no ID, no forms
  • ●Single-use or persistent — your call
  • ●Fund with SOL today · USDC, USDT rolling out soon
  • ●Apple Pay / Google Pay provisioning
Mint your first card
approved · shielded
Blue Bottle
Coffee · SFO
−$4.85
USDC
TXN·0x—·--:--·3 hops
9:41
5G
Cloak
stealth
Cloak · live
CLK-019 · daily driver
4242 •••• •••• 0118
Limit
$2,500.00
Valid
04/29
Spendable
$2,500.00
shielded · 3 hops · no kyc
02 / Spend

Tap anywhere. Reveal nothing.

At checkout, the merchant sees a Visa transaction. The issuer sees a masked PAN. The chain sees nothing. Only you hold the full picture.

  • Merchant sees
    A Visa transaction signed CLOAK CARDHOLDER
    hidden: your identity, wallet, chain
  • Issuer sees
    Amount + masked PAN, nothing that links to you
    hidden: source of funds, memo, origin
  • Chain watcher sees
    Nothing. No on-chain event ties you to the spend
    hidden: everything
Merchant · POS
Blue Bottle
Coffee · Oakland, CA
$14.50
waiting for tap
Merchant sees
CardholderCLOAK CARDHOLDER
CardVISA ••••4841
Amount$14.50
identitysource of fundschain address
Issuer sees
ProgramCLOAK INC · BIN 4242
Auth—
Amount$14.50
user idwallettx memo
Chain sees
Wallet—
Signature—
Memo—
everything
Your view · private
Blue Bottle$14.50
CoffeeOakland, CA09:42
memo“morning latte”
✓only you hold the full picture
How It Works

Four steps from wallet to walk-away.

No account sign-up. No custodian holding your keys. No database tying your spend to your wallet. Privacy as a consequence of the architecture, not a marketing claim.

01
01/0425%
signed intent · not a deposit

Fund anonymously

Deposit SOL, USDC, USDT or x402 from any wallet. A zero-knowledge commitment enters a shared pool — no identifier attaches because there is no account.

~0.8sany wallet0 kycno login
live
wallet · 0x9f…af2
SOL12.4
USDC4,208
USDT1,850
$1,000 INTENT
pooled1,284
anonymous pool
Features

Built for people who take privacy seriously.

Read the whitepaper
01

Zero-knowledge proofs

Custom circuits prove solvency without revealing balances or addresses.

CircuitGroth16 · 184ms
02

Relayer network

Independent operators batch, shuffle, and forward — severing the wallet→card link.

Network3 hops · 42 operators
03

Non-custodial

We never touch your funds. Signed intents, not deposits. No cold-storage theatre.

CustodySelf · signed intents
04

Multi-asset funding

SOL on day one. USDC and USDT rolling out over the next few weeks. More chains as the network matures.

AssetsSOL now · USDC + USDT soon
05

Apple Pay / Google Pay

Provision virtual cards to your phone's wallet in one tap. Works with Stripe.

Provision~3s · Stripe ready
06

Disposable or persistent

Mint burners for one-offs, or keep a daily driver. Your threat model, your rules.

Lifetime24h burner · or forever
07

Audited & open

Circuits and relayer code are public. Third-party audits, bug bounty always-on.

AuditsTrail of Bits · Halborn
08

Global coverage

180+ countries. Every merchant that accepts Visa — online, in-store, in-app.

Reach180+ countries · 200M merchants
FAQ

Short answers. No theatre.

Still curious after this? Jump into the docs or ping us on Discord.

Read docsDiscord

  • Yes. Cloak never holds your assets. Funding happens via self-signed transactions routed through our relayer, which breaks the on-chain link between your wallet and the issued card without ever taking custody.

  • No. There's no email, no ID upload, no wallet connection required to browse. Cards are issued against proofs, not identities.

  • SOL, USDC, USDT, and x402 at launch. More chains and stablecoins coming as the relayer network expands.

  • 180+ countries, anywhere that accepts Visa. Apple Pay and Google Pay supported on day one.

  • Mint a card with anywhere from $5 to $10,000. Generate as many as you need — each one is single-purpose and disposable.

  • No-KYC cards still expose your on-chain history to the issuer. Cloak uses zero-knowledge proofs plus a relayer system to sever that link entirely — privacy by construction, not policy.

Ready when you are

Become unseen.

Mint your first Cloak card in under a minute. No email, no ID, no compromise.

Launch dashboard
· no email · no KYC · no custody