Your money, private by default.
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CloakPay is a non-custodial crypto neobank for humans and AI agents. Transfer amounts are encrypted on-chain using zero-knowledge proofs. Settlement takes under a second. You hold your own keys.
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Card holder
Aaron Johnson
CloakPay uses Solana's Confidential Balances extension to shield transfer amounts with homomorphic encryption and zero-knowledge proofs, processed entirely client-side. Your amounts never appear on-chain. Your address does. That line is what keeps it compliant, and what makes the privacy real.
Everything you need to move money privately and at scale.
Five primitives. One account that works for both humans and agents.
Agent Wallet
Provision a non-custodial Solana wallet for any agent with a single API call. Isolated, named, USDC-denominated, and ready to transact the moment it goes live.
Spending Policies
Set per-transaction limits, velocity caps, and time windows enforced at the program level. Not in your application code.
On-Chain Ledger
Every transaction lands on Solana mainnet. Immutable, publicly verifiable, and linkable to Solscan so you or your auditors can review the full history.
x402 Payments
Agent-to-agent payments over the x402 protocol. On-chain settlement and completion verification included. No credit cards, no intermediaries.
Operator Dashboard
A clean console to monitor balances, review spending, and configure policies across your entire account and agent fleet in real time.
Run an agent fleet at scale without losing visibility or compliance.
One console. Every account. Full control.
Track balances, spending, and policy status across every account and agent in real time. Each transaction links to Solscan and is independently verifiable by you or your auditors.
Spend limits enforced by the program. Not by the application.
Every agent wallet is bound to a spend policy at creation. Those rules live on-chain and are evaluated by the CloakPay Solana program before any transfer instruction executes. There is no way for an agent to bypass them from application code.
Explore Solana programBuilt for developers. Designed around Stripe's API philosophy. Predictable, well-documented, and safe to integrate before going anywhere near production.
const API_KEY = process.env.CLOAK_API_KEY;
const BASE = "https://api.cloakpay.org/v1";
const headers = {
"Authorization": `Bearer ${API_KEY}`,
"Content-Type": "application/json",
};
// Provision a wallet for an agent
const wallet = await fetch(`${BASE}/wallets`, {
method: "POST",
headers,
body: JSON.stringify({
agent_id: "agent_research_v2",
label: "Research Agent",
policy_id: "pol_conservative",
}),
}).then(r => r.json());
// Send a confidential payment
const tx = await fetch(`${BASE}/wallets/${wallet.wallet_id}/pay`, {
method: "POST",
headers,
body: JSON.stringify({
to: "recipient_address_or_handle",
amount: "2.50",
currency: "USDC",
memo: "Perplexity API query batch #8821",
confidential: true,
}),
}).then(r => r.json());