Aidos App

A familiar mobile and web banking experience — deposit, hold a balance, spend with a card, earn yield, pay bills — except every figure on the screen is yours alone. Each balance lives behind a zero-knowledge proof, not a readable ledger entry.

Capabilities

Shielded balance — balances sit behind ZK commitments; nobody can read how much you hold.
Aidos Card — spend USDC directly from a shielded balance, virtual and physical, anywhere Mastercard is accepted, via Apple/Google Pay.
IBAN rails — SEPA/SWIFT on-ramp through a licensed EMI partner. Fiat in, shielded USDC out, and back.
Shielded yield — earn on shielded deposits. Your APY is visible; your yield amount is not.
Recurring payments — subscriptions, bills, and payroll, all shielded.
Multi-currency — USDC, USDT, EURC, and future private stablecoins, one shielded balance per asset.
Selective disclosure — prove KYC without revealing documents; prove balance sufficiency without revealing the amount.
Multi-sig shielded accounts — shared business, DAO, or family treasuries that stay private.

The spend flow

The mechanics are invisible to you but worth making explicit. When you deposit funds, the protocol mints shielded zkUSDC — a balance represented as a cryptographic commitment, not a public number. When you swipe the card, the app unshields exactly the purchase amount and no more, generating a zero-knowledge proof that you hold sufficient funds without revealing how much you actually hold.

The merchant settles in ordinary USDC over the same Mastercard rails any business already uses — nothing changes on their side. What the chain records is a single line: USDC moving from the Aidos pool to a merchant. The total, the history, and the rest of your portfolio never touch the ledger.

A $5 swipe unshields exactly $5

The proof confirms funds exist; it never reveals the amount you hold. The merchant sees the payment, the chain sees one settlement line.

What the chain sees

Hidden	Visible
Total portfolio value, transaction count, counterparties, yield earned, spending patterns, salary deposits, savings.	A valid ZK proof that funds exist (no amount), and one settlement line moving USDC from the Aidos pool to a merchant.

Representative use cases

Remote worker paid in USDC — salary invisible to a landlord, an ex, or competitors.
On-chain founder — treasury shielded from rivals.
DeFi trader — portfolio hidden from MEV and copy-traders.
DAO contributor — private pay, tax-reportable via selective disclosure.

Want it managed for you? Pair the App with the Aidos Agent.