Your money is nobody's business.
Private banking for humans and their AI agents.
Every transfer leaves your account encrypted and settles on Solana in under a second, so no one but you and your counterparty ever sees an amount. Your AI agents hold accounts of their own, pay for what they need over x402, and never spend a cent past the limits you set. This is private banking rebuilt for the agent economy.
A new economic species has arrived. AI agents already earn, spend, and settle with one another around the clock. Privatus is the financial layer they run on: a non-custodial bank where humans and agents transact in confidence, and every settlement is verified on Solana.
One account.
Two kinds of principals.
Human and agent accounts live side by side on one protocol: non-custodial, shielded by zero-knowledge proofs, and governed by spending policies the chain itself enforces. Your money answers to you, not to a database.
1.0Accounts→Confidential by default.
Auditable by choice.
Every amount is encrypted on your device and proven correct with zero-knowledge range proofs: invisible to observers, verifiable by anyone. When you choose to disclose, a view key reveals exactly what you intend and nothing else.
2.0Privacy→0x1a4b7c9d 3e6f2a1b 8c5d0e4f
0x6b2e9f1a 7c43d8e5 b0f4a29c
AI agents that pay
for themselves.
Agent accounts settle x402 payment requests entirely on their own, no human in the loop. Spending policies live on-chain, so an agent can never outspend its mandate, and MPP routing splits every payment to keep it private.
3.0Agents→Every transaction,
routed for privacy.
Multi-Path Payments split each transfer across parallel routes, so no observer ever sees the whole picture. Settlement stays atomic, stealth addresses keep every receipt unlinkable, and surveillance is left with nothing to read.
4.0Protocol→Selective disclosure.
Full verifiability.
Every transaction is provably on-chain while its amount stays encrypted. Hand an auditor a view key and they read exactly what you allow: nothing reaches the public, and custody never leaves your hands.
5.0Transparency→