DocsSign inGet your account
Get your account

Private banking for you and your agents.

Encrypted amounts, transfers final in 100ms, and AI agents with accounts and limits of their own.

Get your account
9:41
VHello, Vlad!
Total balance
‹$62,041.02›
USDG · decrypted on this device
Research botagent
Treasuryshielded
MAINcyphron
@vlad.cyphron
$12,480.500x7b5F…30c6
Recent activity 5
402api.marketfeed.iodatafetch · x402 · 12m ago−$0.25
↓payroll.cyphronConfidential · 5h ago+$4,200.00
Your agents 2
DDatafetch$12 / $50RResearch$4 / $25TTravelpausedPPayroll$0 / $500+Newagent

Every amount private,
every agent capped

Robinhood Chain100msFees in beta$0.00

Spend limits

Each agent gets a daily cap
it can never go past.

↗$33.50of $50 cap
22%
Mon
56%
Tue
31%
Wed
67%
Today

Private amounts

Nobody sees how much moved,
the network still checks it.

—Everyamountstaysprivateonchainzk100ms

x402 payments

Agents pay for APIs one request at a time,
with nobody in the loop.

×Pay per request
Ddatafetch
0.25 USDG
402 · api.marketfeed.io
Paid · 200 OK ↗

View keys

Show an auditor exactly what they need,
and take it back whenever you like.

Software now has
its own bank accounts

AI agents earn, spend and settle with each other at every hour of the day. Cyphron gives them a private place to do it: a non-custodial neobank where people and agents move money confidentially, settled on Robinhood Chain.

01 / 05

One account for people and agents alike.

Accounts for people and accounts for AI agents sit side by side on the same protocol, each with its own handle and its own spending rules.

  • 1.1Accounts for people
  • 1.2Accounts for agents
  • 1.3Multi-signature vaultsSoon
  • 1.4Handles ending in .cyphron
Open an account
AAlice@alice.cyphronMain
Balance••••• USDGOnly your view key can reveal this
vendor.cyphronSettled · 2h ago•••••payroll.cyphronSettled · 1d ago•••••
same protocol
DDatafetchbelongs to @alice.cyphronAgent
Request ceiling$5.00Per-day cap$50.00Approved domains2
Today$12.40 of $50.00
back to zero at 00:00 UTC
02 / 05

Private from the start. Open to audit on your terms.

Amounts are encrypted with ElGamal, so nobody watching can read them. Zero-knowledge range proofs will let anyone verify each one without seeing it, and a view key opens exactly what you pick.

  • 2.1Encrypted amounts
  • 2.2Shielded state
  • 2.3Range proofs in ZKSoon
  • 2.4Read access through view keys
Open an account
txn_7a2bk1● Complete
What the public seesSender0x7fA2…e91cRecipient0x3bD8…a04fAmount▮▮▮▮▮▮Memo▮▮▮▮0x8f3a2c1d 9e4b7f6a
0x1a4b7c9d 3e6f2a1b
0x6b2e9f1a 7c43d8e5Range proof✓ Valid Soon
What you see$1,240.50 USDGFromalice.cyphronTovendor.cyphronMemoInvoice #2210Fee$0.00Settled14:32:09

Your device does the decrypting, so the plain amount never reaches the chain.

03 / 05

Agents that cover their own costs.

An agent account answers x402 payment requests by itself. Its spend policy is checked before anything is signed, so it cannot go past its mandate.

  • 3.1The x402 protocol
  • 3.2Spend policies
  • 3.3SDK for agentsSoon
  • 3.4Routing with MPPSoon
  • 3.5Nested agent hierarchies
Open an account
datafetch.cyphronruns without a personLive
Spent0.00 USDGLeft today$37.60
04 / 05 Soon

Each payment takes a private path.

Multi-path payments split a transfer across parallel routes and one-time stealth addresses, so nobody watching sees the whole of it. Settlement stays atomic.

Open an account
Senderalice.cyphron$4.00only you see this
Stealth address 010x7f3a…c19bused once
Stealth address 020x2e8d…41f6used once
Stealth address 030x9c04…b7e2used once
Recipientvendor.cyphron● Completeone balance, no link between routes
05 / 05

Share what you choose. Prove everything.

The network proves each transaction happened while the amounts stay encrypted. A view key gives an auditor read-only access; the public sees nothing.

  • 5.1Receipts recorded on-chain
  • 5.2Disclosure you control
  • 5.3Exports for audits
Open an account
Grant a view keyRevocable
Auditorauditor.cyphronCoversTransfers in Q1 2026PermissionView onlyEndsApr 30 2026Send view key
Checks4 / 4
✓Proof of existence on-chain142 of 142 transfers anchored✓Every range proof checks outnothing decrypted✓Only the auditor sees amountsclient side, scoped key✓Nothing made publicno change to chain stateCSVaudit-export-q1.csv38 KB

Everything a private bank does,
built for agents too

Personal accounts

A private account with a @handle, so nobody has to paste an address.

Agent accounts

Each agent gets its own account under yours, with a budget of its own.

Spend policies

Request ceilings, daily caps, approved domains and an approval threshold.

Encrypted transfers

Amounts stay hidden. Only the sender and the recipient can read them.

x402 payments

Agents answer HTTP 402 and pay for each request on their own.

View keys

Scoped, read-only access for auditors that you can revoke at any time.

Alerts and webhooks

Transfers, policy hits and sign-ins, pushed the moment they happen.

Virtual cardsSoon

Spend your private balance wherever cards are accepted.

SDK and REST APISoon

One typed client for accounts, transfers, agents and webhooks.

Three steps to your
first private payment

01

Create your account

All it takes is an email and a password. Choose whether the account is for you, for your agents, or both.

Done in under two minutes
02

Add USDG

Move in Global Dollar on Robinhood Chain, or top up from any wallet. A small ETH reserve covers gas so fees never need your attention.

Credited in the next block
03

Pay in private, hand work to agents

Send to any @handle, or create an agent account with a spend policy and let it cover its own costs over x402.

Settles in 100ms

Built for people
and the agents they run

CCoding agentcoder.cyphron

Pays for model calls while it works, instead of burning through a prepaid credit balance.

RResearch botresearch.cyphron · $2 per request

Buys datasets and paywalled sources one request at a time, never more than $25 a day.

TTrading systemtrader.cyphron · risk budget

Trades inside a fixed budget. Anything above its approval threshold waits for a person.

DData fetcherdatafetch.cyphron · $5 per call

Settles x402 APIs per request. Domains that are not on its list never get a cent.

TTravel assistanttravel.cyphron · business hours

Books trips inside a monthly cap, and only during the hours you allow it to spend.

AAgent platformplatform.cyphron

Bills each sub-task as soon as it finishes, with no billing middleman in between.

DDeveloper tooldevtools.cyphron

Charges usage straight to the agent that generated it, request by request.

FFreelancer@maria.cyphron · Personal

Gets paid in USDG to a handle, not to a 42-character address someone could mistype.

PPayroll@payroll.cyphron

Pays contractors without publishing every salary on a public ledger forever.

TTreasury@treasury.cyphron · Shielded

Keeps reserves in a shielded account that only its owners can read.

AAuditorauditor.cyphron · view key

Reads exactly the transfers in scope. Read-only, time-boxed and revocable.

AAccountantCSV export

Gets a decrypted export at tax time, produced on your device with your key.

PParent account@you.cyphron

Sees every agent payment in one feed, tagged so software never hides behind you.

AAgent ownerpause or revoke

Pauses or revokes an agent in one tap, and its budget stops moving at once.

Private by default,provable on demand

Amounts are encrypted before they leave your device.A view key shows an auditor exactly what you choose.

Final in 100ms,
free in beta

9:41●●●
‹@maria.cyphronConfidential transfer
$1 000Fee $0.00 · final in 100ms
M$12,480.50Main account⌄
123456789·0⌫
Send →

Spend policies. Every agent gets a ceiling per request and a cap per day. Anything above your threshold waits for a person.

datafetch.cyphron◷ resets 00:00
$12.40 / day
research.cyphron◷ resets 00:00
$4.00 / day
travel.cyphron◷ by you
paused

Designed for
agents that pay
their own way.

Real-time alerts
for every payment you make

Developers Soon

Build private banking before the day is out

One typed SDK wraps the REST API: accounts, private transfers, agent accounts with spend policies, and webhooks.

  • Typed end to end, idempotent by default. Every create call carries an idempotency key, so retries are safe.
  • Webhooks you can rely on. Settlements, policy hits and agent actions arrive as signed events.
  • Test and live keys, no mode flag. The key prefix picks the environment.
Open the docsCreate an API key
quickstart.tsTypeScript
1import { Client } from "@cyphron/sdk";
2
3const bank = new Client({ apiKey: process.env.API_KEY });
4
5// On-chain the amount stays encrypted: you get confirmation
6// that it settled, never the figure in plain text.
7const transfer = await bank.transfers.create({
8  to: "@vendor",
9  amount: "125.00",
10  asset: "USDG",
11  memo: "Invoice #4471",
12});
13
14// An agent with its own account and a strict budget.
15const agent = await bank.agents.create({
16  handle: "datafetch",
17  policy: { dailyLimit: "50.00", maxPerRequest: "5.00" },
18});
$ npm i @cyphron/sdkSoon

Plain answers to common questions

No, by design. Your address is visible on-chain; what stays hidden is how much moves through it. Think confidentiality, not anonymity.

Not at all. Signing up takes an email and a password, and settlement happens in the background. You think in dollars, not in gas.

A dedicated account for a piece of software, with an ID that sits under your own account. Everything it does is bound by a spend policy you write: a ceiling per request, a daily cap, approved domains and, if you want one, a threshold above which a person must approve.

It can't. The spend policy is checked before a payment goes out, not audited afterwards. A payment that breaks the policy is never sent.

Hand them a view key. It opens read-only access to the transfers you choose and nothing more, and you can withdraw it whenever you like.

While we are in beta, it's free. The only cost is Robinhood Chain gas, usually a fraction of a cent, covered by a small ETH reserve.

Read the complete FAQ →

Where agents keep their money

Scan to open your account, or start right here. It costs nothing in beta.

Create your accountExplore the docs