The XERO layer
Verify everything. Reveal less.
PRIVATE
In development: sensitive payment details stay shielded.
VERIFIABLE
The chain enforces every spending rule, so anyone can verify it.
PROGRAMMABLE
Rules determine what money is allowed to do. Working today in test environments.
Private + verifiable
Privacy doesn't mean trust.
In development: XERO will use privacy rails and cryptographic proofs so payments stay verifiable without exposing unnecessary financial information.
PUBLIC CHAIN · IN DEVELOPMENT
PRIVATE DATA
Programmable money
Privacy is coming. Policy is here.
Money becomes powerful when you can program it.
XERO POLICY / 01
ACTIVEDAILY LIMIT
$20.00
Payments above $5, or past the daily limit, are denied before they happen.
Architecture
A policy layer for programmable money.
Each layer has one job. Together, they move dollar-denominated value under enforceable rules, with privacy in development.
Initiates a payment request.
Security
Cryptography, not promises.
ZERO-KNOWLEDGE
In development: prove a payment is valid without revealing its details.
ENCRYPTION
In development: amounts and balances encrypted on-chain, not just hidden in the UI.
ONCHAIN VERIFICATION
Solana enforces every spending rule. No trusted operator decides.
PROGRAMMABLE POLICIES
Spending rules are enforced before a payment is authorized. Working today in test environments.
Non-custodial architecture
Cryptographic verification
Open-source protocol rules
Security-first development
Independent audits before production