ZK-based confidentiality for Stellar

Confidential finance infrastructure for Stellar

ZKELLA brings private transfers, confidential asset flows, and controlled disclosure to Stellar payments, stablecoins, RWAs, and DeFi.

Private from the public. Disclosable to approved parties. Built for Stellar.

Explore the protocol View use cases

Public ledger

balances visible
flow graph exposed
swap intent observable
Confidential Treasury Flows
Confidential RWA Flows
Confidential Payment Flows
Confidential DeFi Flows

The adoption blocker

Public ledgers expose sensitive financial activity

Stellar is built for fast, affordable financial settlement. But public balances, transfer amounts, counterparties, and treasury flows are visible to the market. For institutions, issuers, RWA platforms, payment companies, and DeFi teams, this visibility can limit adoption.

Treasury balances are visible

Competitors and market observers can infer capital position and commercial strategy.

RWA investor positions are exposed

Ownership and transfer details can become public market intelligence.

Payment and swap intent are observable

Counterparty flows and execution intent can be seen before settlement.

Protocol modules

ZKELLA brings selective confidentiality to Stellar

ZKELLA enables Stellar assets to move through confidential workflows while preserving controlled disclosure for auditors, compliance teams, and approved counterparties.

Confidential assets

Represent existing Stellar assets in a private form for confidential transfer flows.

Private transfers

Move value without exposing transaction amounts or flow details publicly.

Viewing keys

Controlled disclosure for institutional, audit, and compliance workflows.

Persistent note recovery

Help wallets recover encrypted note history reliably.

Confidential swaps

Shield sensitive swap details while preserving access to liquidity.

Developer SDK

Developer tools for wallet-ready confidential finance integration.

Institutional demand

Built for the financial use cases Stellar is positioned to win

01

Institutional Treasury Privacy

Confidentially hold and transfer stablecoins or tokenized reserves without exposing balances to public observers.

  • Keep sensitive balance and flow details private.
  • Preserve Stellar settlement integrity and finality.
  • Enable regulated disclosure through opt-in viewing keys.
Market need: Institutions moving capital to Stellar are blocked by public balance visibility. ZKELLA unlocks this segment without sacrificing Stellar settlement certainty.
02

Private RWA and Asset Tokenization

Issue and move real-world asset-backed tokens with confidential ownership and transaction details.

  • Keep transfer amounts private.
  • Use Stellar's fast settlement and SEP-41 asset infrastructure.
  • Provide audit trails without exposing full history publicly.
Market need: RWA issuers expect compliance-aware privacy as table stakes. ZKELLA gives Stellar a confidential asset layer purpose-built for this market.
03

Confidential Payment Rails for DeFi and Payments

Give wallets, payment apps, and DeFi protocols access to private transfers and confidential swap flows on Stellar.

  • Support confidential transfers and private swap flows.
  • Bring privacy to liquidity across Stellar markets.
  • Give fintech apps protocol-level privacy without chain-switching.
Market need: Payment apps need private settlement that is developer-accessible and protocol-native. ZKELLA is building this capability inside the Stellar ecosystem.

Ecosystem utility

Why this matters for Stellar

Confidentiality should not require leaving Stellar.

ZKELLA helps Stellar support institutional payments, stablecoin flows, tokenized assets, and regulated DeFi by making confidentiality reusable at the application layer.

Stellar assets
Soroban
SEP-41
Stellar DEX
Wallets
Indexers
RWA issuers
Payment apps
  • Makes Stellar more attractive for institutions with privacy requirements.
  • Helps stablecoin issuers and payment providers protect commercial flows.
  • Gives RWA builders confidentiality without leaving Stellar settlement.
  • Creates reusable developer infrastructure for wallets and DeFi protocols.
  • Turns Stellar's ZK primitives into practical confidential finance workflows that teams can integrate.

Current progress

From confidential finance experience to Stellar-native infrastructure

ZKELLA builds on PyratzLabs' experience building Zaiffer, a confidential finance protocol acquired by Zama in 2025. ZKELLA brings that product direction to Stellar through a purpose-built Soroban architecture for Stellar assets.

  • PoCProtocol architecture completed
  • PoCInitial implementation started
  • PoCSoft PoC deployed on Stellar testnet
  • PoCRoadmap focused on private transfers, unshielding, viewing keys, persistent indexing, shielded swaps, SDK release, and wallet-ready flows.

The current implementation is presented as a proof of concept and is not considered production-ready. References to future capabilities are roadmap objectives and should not be construed as features currently implemented or available.

Product path

Roadmap to confidential finance on Stellar

Phase 01

Foundation

Protocol design, shielded asset PoC, testnet deployment.

Phase 02

Private Movement

Confidential transfer, viewing keys, recovery, and compliance disclosure.

Phase 03

Ecosystem Adoption

SDK release, reference app, confidential swaps, integrations with wallets, issuers, payment apps, and RWA platforms.

Final CTA

Build confidential finance without rebuilding the privacy stack

ZKELLA gives Stellar builders the confidentiality layer to launch private asset flows, selective disclosure, and wallet-ready financial products.

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