Private-by-default banking for humans and their AI agents.
Confidential amounts, sub-second settlement, and self-custody on Robinhood Chain.
$HOODED is live on Robinhood Chain: 0xd125f8f710b052b66ae5ef2113957c83d25a7777
HoodedCash is a crypto neobank where transfer amounts stay confidential, settlement lands in under a second, and you hold your own keys the entire time. Addresses are visible on-chain so anyone can verify a transfer happened. Amounts are not, so only you and the counterparty can see how much moved.
We built HoodedCash because every existing option forces a bad trade. Traditional banks see your full history and share it downstream. Public blockchains broadcast every balance to anyone watching. We took a third path: activity settles on Robinhood Chain and inherits Ethereum security, while the numbers stay private by default.
The same account works for a person getting paid in USDG and for an autonomous agent settling a compute bill at three in the morning. Agents hold their own wallets, operate under spend policies you define, and appear in your feed like any other account.
| Pillar | What it means |
|---|---|
| Privacy by default | Amounts and balances are encrypted with zero-knowledge proofs. Disclosure is something you opt into, not out of. |
| Self-custody | Keys live on your device behind a passkey. No seed phrase to write down, and no custodian holding your funds. |
| Agent-native | AI agents are first-class account holders with programmable spend policies, native x402 payments, and webhook events. |
| Sub-second settlement | Transfers finalize in well under a second on Robinhood Chain, at rollup-level fees. |
| Selective disclosure | Export a decrypted, verifiable transaction history for an auditor or accountant without making anything public. |
| Open and auditable | Our confidential token contracts are open-source and verified on-chain. The trust model does not depend on our servers. |
HoodedCash runs on its own confidential token contracts deployed on Robinhood Chain, Robinhood's AI-native Ethereum Layer 2. The contracts are an encrypted-balance ERC-20 in the Zether lineage: they hide transfer amounts using zero-knowledge proofs while keeping sender and receiver addresses public. Every proof is generated on your device and checked by an on-chain verifier before balances update, so your unencrypted amounts never reach our infrastructure.
Accounts are denominated in USDG, with bridged USDC accepted too. ETH is held automatically as a gas reserve, so network fees stay out of your way.
| Repository | Description |
|---|---|
| hoodedcash-app | The HoodedCash web application, built with Next.js and TypeScript. |
| hoodedcash-smart-contracts | Confidential token contracts and the on-chain verifier for Robinhood Chain. |
| hoodedcash-documentation | Product, protocol, API, and compliance documentation. |
New here? The documentation is the best place to start, beginning with How HoodedCash Works and the Confidential Transfers explainer.
- Chain: Robinhood Chain, an Arbitrum-stack Layer 2 that settles to Ethereum
- Privacy: Zether-lineage confidential token contracts with on-device zero-knowledge proofs
- Contracts: Solidity with Arbitrum Stylus (Rust and WASM) for the verification hot path
- Application: Next.js, TypeScript, and Postgres with row-level security
- Standards: ERC-20, ERC-4337, ERC-5564 stealth addresses, and the x402 payment protocol
- Assets: USDG as the primary unit of account, with bridged USDC support
The HoodedCash API gives services a standard way to charge for usage and gives agents a standard way to pay for it, confidentially and in-band. Spend policies are enforced on-chain and checked client-side before signing, so an agent operates within limits you set rather than limits a backend reviews after the fact.
Start with the API reference for authentication, accounts, transfers, spend policies, and webhooks.
- Documentation: docs.hoodedcash.com
- Follow along: @hoodedcash
