zk.money is a self-custodial wallet that lets you send and receive crypto privately.
The first zk.money proved demand, with 75,000+ unique wallets and $100M+ in volume within the first year.
It was retired in 2023, not because private crypto transfers had failed, but because they needed infrastructure that did not yet exist.
Then, we spent three years building and launching the Aztec Network, the decentralized privacy layer that lets systems like zk.money scale to mainstream use.
Now that the network is live, we are shipping open-source privacy products on top of it, like ZKPassport and now, zk.money.
zk.money is back.
What is zk.money?
zk.money is a fully self-custodial open source wallet for private transactions, built on the Aztec Network.
You hold your own keys and your own data, and balances and history are private by default. Funds come in from Ethereum, move privately inside zk.money, and go back out to Ethereum whenever you want.
The zk.money system consists of several components living on Ethereum and the Aztec Network: immutable onchain smart contracts, a security and migration protocol named Oxide, and a web interface — or, optionally, a locally-run desktop app.
How it works
Tags. When you create an account, you claim a tag like yourname.zk.money, secured by a passkey that syncs across your devices for recovery. No seed phrase and no 0x string to copy wrong. Anyone can send payments to your tag, but nobody can see its balance or its history.
Links. zk.money lets you generate a link that you can share to send or request onchain funds, regardless of whether they are on zk.money. Transfer funds to any of your contacts in a few clicks. All driven completely by you, with only you in control.
Amounts and counterparties stay off the public record. Ethereum publishes transaction amounts and counterparties to a transaction by default. zk.money does not. Only you can decide who sees a transaction.
Security
zk.money is secured by Oxide, an independent second security layer built on TEEs. Anyone can run an Oxide instance, which attests to every token operation.
Oxide attests that an operation is valid without learning what it contains, so no third party sees your transaction details.
Oxide is a separate system with separate trust assumptions from the ZK circuits that secure the Aztec Network, so a fault in one system does not compromise the other. The point of Oxide is to provide another layer of defense against bugs in cryptographic systems.
Read the full trust model for zk.money here.
The zk.money system is live today. Priority access is given to early users of the previous zk.money, but you can also gain immediate access by sharing your tag with your friends.
Visit launch.zk.money to claim your tag.