Private money
on public chains.
Private stablecoin payments for people, teams and AI agents. Private by default, provable on demand.
The problem
Every stablecoin payment
is public.
Payroll
Pay a team in stablecoins and every salary is public, forever.
Suppliers and treasury
Who you pay, how much, and your runway are readable by anyone.
AI agents
An agent's wallet shows every tool it pays for, and its strategy.
Holdings
Every balance and stock position, with its size, is on the record.
What public money costs
Public wallets are
a target list.
72
physical attacks on crypto holders in 2025, a record. Kidnapping was the most common.
$713M
stolen from 80,000 people's personal wallets in 2025.
270M
address-poisoning attacks in two years, built from public payment history.
$60M
taken from traders by bots that see their trades coming, in one year.
Every one starts the same way: your balance and your history are public.
Why now
Businesses and agents now
pay in stablecoins.
$390B
in real stablecoin payments in 2025
2×
the year before
$226B
of it business to business, 58% of the total
Tempo went live on 18 March 2026, Robinhood Chain on 1 July, Arc on 16 September. All public by default.
Why now
Private stablecoins are
growing, and still early.
$2.1M → $51M
stablecoins held privately in Railgun on Ethereum, January 2024 to October 2026
<0.1%
of the $311B stablecoin supply
FinCEN withdrew its proposed mixer rule on 5 October 2026. GENIUS requires issuers to be able to freeze, and Gloam's design never stops them.
The idea
A payment has one owner.
So nobody else needs a key.
Shared secrets
Auctions, order books, lending
Someone must compute on many people's hidden data. FHE and MPC networks like Zama and Arcium use a committee that holds the keys.
Payments
One owner
The owner proves the payment on their own device with zero-knowledge proofs. Nobody else ever holds a key.
Breach a committee and everyone is exposed, past payments too. Breach one device and one person is.
How it works
One private balance you can
pay from and prove from.
Add money
Stablecoins, ETH or Robinhood Chain stock tokens go into the vault. Your balance becomes private.
Pay privately
Send, run payroll or let an agent pay. Amounts and people stay hidden.
Prove what's needed
Show a bank, landlord or accountant one fact, and nothing else.
Proofs are made on your device, never on our servers.
Built to be trusted
Private,
not a mixer.
Competition
Who can see your payments
| Who | Who holds the key | On Tempo or Robinhood Chain | Proof for one reader | Payroll and agents |
|---|---|---|---|---|
| Zama (FHE) | A 13-node committee, one global key | Not found | Decryption rights | Not found |
| Arcium (MPC) | A node cluster | Not found (Solana) | Not found | Not found |
| Tempo Zones | The zone operator sees all | Tempo, limited preview | Not found | Not found |
| Helius Privacy | Its server sees your inputs | Not found (Solana) | Not found | Not found |
| Railgun | Only you | Not found (Ethereum) | Viewing keys, whole history | Not found |
| Gloam | Only you | Both, on testnet | Yes, with an expiry | Yes |
Competition
Where each one wins
Zama
Computing on shared data, like auctions and lending. Over $170M raised.
Arcium
Private shared state on Solana.
Tempo Zones
Enterprises that want an operator in the loop.
Helius Privacy
Speed on weak phones, and reach on Solana.
Railgun
Years live, a public ceremony, external audits. About $113M held.
Payy
Consumer users and a Visa card today. $6M seed.
We found no other product on Tempo or Robinhood Chain that combines owner-only privacy, proofs for one reader, and payroll and agent rails.
What's new
Not new cryptography.
A new building block.
Payroll total proof
Proves a run of up to 32 payments paid exactly a total, without showing who got what.
Proofs for one reader
Who it is for and when it expires are sealed into the proof. Anyone checks it in a browser, no wallet.
Private agent payments
A private method proposed for MPP, private x402, and an MCP server with spending limits.
Private payments you can prove. As far as our research found, these three are new.
Product
Live on testnet at gloam.trade
Private balance
OUSD and PathUSD on Tempo. USDG, ETH and stock tokens on Robinhood Chain.
Private payments
Hidden amounts, request links, and a relay that hides your wallet.
Payroll
Upload a CSV, pay the team, repeat it monthly with a cap.
Proofs
Proof of funds, of payment, or of a payroll total. Checked at /verify.
Agents
Pay over x402 and MPP, with caps per payment and per day.
For builders
SDK, partner API and an MCP server in the official registry.
Traction
First commit on 14 July 2026.
100+
tester applications in about three days
88+
Telegram members in two days, with Glim, our AI helper
4
npm packages: SDK, MCP server, MPP method, app starter
93
contract tests, two internal audits, fixes deployed
Recognition
“a product niche that will expand a lot”
Gui Bibeau, Solana Foundation, in a public review
Startup Village
Pitched
Arbitrum Open House
Submitted
Colosseum Crypto World's Fair
Competing
Business model
We earn when private money moves.
Payments
0.1% in, 0.1% out
A fee on deposits and cash outs, from mainnet. Railgun charges 0.25% each way.
Payroll
A fee per payroll run
Then team plans for scheduled payroll, approvals and accountant proofs.
Builders
Partner API and SDK usage
Wallets, apps and agents build on Gloam and set their own fee on top.
If 1% of business stablecoin payments moved through Gloam, that is about $2.3B a year and roughly $4.6M in fees. Railgun earned about $4.3M in the last 12 months at 0.25%.
Go to market
Land with payroll. Grow from there.
Land
Private payroll for crypto teams, DAOs and startups paying in stablecoins on Tempo and Robinhood Chain.
Expand
All of their business payments, not just salaries.
Distribute
Through builders and agents: SDK, MCP, x402 and MPP.
Partner
With the chains: self-custody privacy for everyone Zones do not serve.
Community
Testers become users. Over 100 applied in three days.
Roadmap
From testnet to mainnet
Now
Live on two testnets
Stablecoin payments, payroll, proofs and agent payments. Stock tokens held and sent privately.
Underway
Private trading
A new engine for private trading, built for many people's orders at once.
Mainnet path
Ceremony and audit
A multi-party key ceremony and an external audit, then launch.
Founder
Ships products, audits protocols.
Duke
Founder · @dukedotsol · iamduke.xyz
Frontend and Web3 builder since 2023. Core member of Superteam Nigeria.
Builds payments and agents
Over 15 products shipped on Solana, Arc and Robinhood Chain, including Keryx, pay-per-call payments for AI agents, and Siren, a prediction market terminal.
Secures the money layer
Head of Audits at SMC Audits. Independent audit of Toly's Percolator, quoted by Anatoly Yakovenko. Author of Kensho, an open security playbook.
Wins in public
3 hackathon wins, 14 bounty wins, 3 Superteam Earn sidetracks.
Private by default.
Provable on demand.
Raising our pre-seed to reach mainnet
Audit and ceremony
An external audit and a multi-party key ceremony.
Mainnet launch
Tempo and Robinhood Chain, with deposit caps.
First 50 customers
Teams running payroll and agents paying privately.