ZKELLA is building private transfers, shielded asset flows, selective disclosure, and wallet-ready confidential finance for Stellar payments, stablecoins, RWAs, and DeFi.
Private from the public. Disclosable to authorized parties. Built for Stellar.
Public ledger
The adoption blocker
Stellar is fast, affordable, and built for real-world settlement. But public balances, transfer amounts, counterparties, and treasury flows can be visible to the market. For institutions, issuers, RWA platforms, payment companies, and DeFi teams, that visibility can block adoption.
Competitors and market observers can infer capital position and commercial strategy.
Ownership and transfer details can become public market intelligence.
Counterparty flows and execution intent can be seen before settlement.
Protocol modules
ZKELLA is designed to let Stellar assets move through confidential workflows while preserving opt-in disclosure for auditors, compliance teams, and approved counterparties.
Shield existing Stellar assets into private notes.
Move value without exposing public amounts and flow details.
Controlled disclosure for audit and compliance workflows.
Help wallets recover encrypted note history reliably.
Hide amount and user intent while keeping settlement connected to liquidity.
APIs for wallet-ready confidential finance integration.
Institutional demand
Confidentially hold and transfer stablecoins or tokenized reserves without exposing balances to public observers.
Issue and move real-world asset-backed tokens with confidential ownership and transaction details.
Allow wallets, payment apps, and DeFi protocols to execute private transfers and hidden swap intents over Stellar.
Ecosystem utility
Privacy should not require leaving Stellar.
ZKELLA helps Stellar compete for institutional payments, stablecoin flows, tokenized assets, and regulated DeFi by making confidentiality reusable at the application layer.
Current progress
ZKELLA is informed by PyratzLabs' confidential finance experience through Zaiffer, a Zama-backed initiative publicly positioned around confidential tokens, selective disclosure, auditability, and compliance-aware privacy. ZKELLA brings that product direction to Stellar with a purpose-built architecture for Soroban and Stellar assets.
Current implementation is not presented as production-ready; soft PoC and roadmap language are intentionally separated from target capabilities.
Product path
Protocol design, CT-20 shield PoC, testnet deployment.
Transfer, unshield, viewing keys, note recovery, compliance disclosure.
SDK release, reference app, shielded swaps, integrations with wallets, issuers, payment apps, and RWA platforms.
Final CTA
ZKELLA gives Stellar teams the infrastructure to add private asset flows, selective disclosure, and wallet-ready confidential finance to real products.