HoodedPayHoodedPay

Banking that's private by default.
For humans and their AI agents.

Transfer amounts stay encrypted on-chain while settlement lands in 100ms blocks on pump.fun. Your agents hold their own accounts, pay over x402, and never spend past the limits you set.

$HPAY is live on pump.fun: coming soon on pump.fun

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HoodedPayAccounts
+ Create account
Search accounts, handles...
AllHumanAgent
Primary AccounthumanPrimary
@you.hooded
•••••
USDG · confidential

Your primary HoodedPay account.

Privacy tier
Confidential
Status
Active
Send payment
Treasuryhuman
@you-treasury.hooded
•••••
USDG · shielded

Reserve account for larger transfers and agent funding.

Privacy tier
Shielded
Status
Active
Send payment
DataFetch Agentagent
you-datafetch.hooded
•••••
USDG · confidential

Autonomous account for x402 data API purchases.

$5/request$50/day2 domains
Privacy tier
Confidential
Status
Active
Send payment

The financial layer for AI agents is here. HoodedPay gives it privacy. A non-custodial neobank where humans and agents transact confidentially, and every settlement is verified on pump.fun.

FIG 0.2

Private by default

Every transfer is confidential from the moment it leaves your account. Amounts are encrypted using ZK proofs, verifiable on-chain and invisible to observers.

FIG 0.3

Built for AI agents

Agent accounts resolve x402 payment requests autonomously. Programmable spending policies, MPP routing, and DID-based identity are all enforced on-chain.

FIG 0.4

Settled on pump.fun

Transactions land in 100ms blocks at a fraction of a cent, secured by Ethereum. Every settlement is permanently recorded: transparent infrastructure, private activity.

One account.
Two kinds of principals.

Human accounts and AI agent accounts live under the same protocol. Non-custodial, ZK-shielded, and governed by on-chain spending policies instead of server-side rules.

1.0Accounts→
Accounts
Search .hooded handles...
AllHumanAgentEnterpriseShieldedConfidential
Trendingalice.hoodedpayroll.hoodedresearch-agent.hooded
alice.hoodedFeatured
0x7dA3...b04c
•••••
USDG
humanconfidential
Confidential84.3k vol★ 4.9
payroll.hoodedFeatured
0x4A9e...c7F2
•••••
USDG
payrollmultisig
Shielded31k vol★ 4.8
research-agent.hooded
0xC17b...9fEa
•••••
USDG
agentx402
Confidential38.9k vol★ 4.8
treasury.hooded
0xB29f...53Dc
•••••
USDG
treasurysafe
Shielded210k vol★ 4.9
1.1Human Accounts1.2Agent Accounts1.3Multi-sig Vaults1.4.hooded Handles

Confidential by default.
Auditable by choice.

Amounts are encrypted with ElGamal and proven correct via ZK range proofs, hidden from all observers yet verifiable on-chain. Share a view key to disclose selectively.

2.0Privacy→
Account Dashboard · legalarc.hooded
+ Create account
Balance (30d)
$1,946.56+14%
Transfers (30d)
600+22%
Active accounts
2
Avg success
98.2%+0.4%
Daily balance
$1,946.56
+14% vs last period
Mon
Tue
Wed
Thu
Fri
Sat
Sun
Your accounts
payroll.hoodedactive
Human
Transfers
412
Balance
$1449.28
Success
97.6%
research-agent.hoodedactive
Agent
Transfers
188
Balance
$497.28
Success
98.8%
treasury.hoodeddraft
Human
Recent payouts
payroll.hooded+$3.52
from 4Nd1m...kR7x
5kJz...p9Qw
research-agent.hooded+$2.64
from 9Wqr...mN3d
2hBn...r4Ks
payroll.hooded+$3.52
from 7Lpt...vB8x
8mCv...j7Yt
2.1Confidential Amounts2.2Shielded State2.3ZK Range Proofs2.4View Keys

AI agents that pay
for themselves.

Agent accounts resolve x402 payment requests natively, with no human in the loop. Programmable spending policies enforce limits on-chain, and MPP routing splits payments for privacy.

3.0Agents→
Agents · Engineering
Connected agents
Codex
OpenAI
3
GitHub Copilot
GitHub
Cursor
Cursor AI
1
Meg
HoodedPay
5
Claude
Anthropic
Terminal - Meg · ENG-2088
$ hoodedcash agent run --issue ENG-2088
✓ Agent Meg assigned to ENG-2088
Analyzing issue context...
Fetching related PRs from GitHub...
✓ Found 3 related commits
Drafting implementation plan...
→ Created branch: meg/eng-2088-auth-migration
✓ PR #412 opened for review
$ _
3.1x402 Protocol3.2Spending Policies3.3Agent SDK3.4MPP Routing3.5Agent Hierarchies

Every transaction,
routed for privacy.

Multi-Path Payments split transfers across parallel routes, obscuring the total value from on-chain observers. Atomic settlement. Stealth addresses make receipts unlinkable.

4.0Protocol→
Transaction History
Settled
5
Failed
1
Flagged
1
Total sent
$16.50
StatusTransferAmount
settled
Confidential transfer to research-agent.hooded
txn_7a2bk1 · Apr 26 · 14:32
$4.00
settled
MPP-routed payout to 4 recipients
txn_3m9px4 · Apr 26 · 14:21
$3.00
settled
x402 payment for API data resource
txn_1q5wr8 · Apr 26 · 11:08
$1.00
failed
Safe multisig transfer, 3-of-5 approval
txn_2r7kw9 · Apr 24 · 09:31
n/a
flagged
Batched MPP settlement, 6 downstream agents
txn_4t1js5 · Apr 23 · 22:07
$1.50
Transfer receipt
settled
ID
txn_7a2bk1
Account
alice.hooded
Time
Apr 26 · 14:32
Duration
22s
Amount
$4.00 USDG
Result hash (pump.fun)
sha256:8f3a2c1d9e4b7f6a0c5d8e2f1a4b7c9d3e6f2a1b...
Transaction
0x5b3e9f2a7c41d8e6b0f4a29c...

Selective disclosure.
Full verifiability.

Transaction existence is always on-chain. Amounts stay encrypted. Share a view key to grant read-only access to an auditor, without exposing data publicly or surrendering custody.

5.0Transparency→
Analytics
7d30d90d
Total transfers
2,852+18%
Total volume
$430.02+1%
Avg per transfer
$0.15-4%
Success rate
96.4%+0.3%
Transfers per day
Mon
Tue
Wed
Thu
Fri
Sat
Sun
Top accounts by transfer volume
payroll.hooded412 txns · $32.96
alice.hooded188 txns · $33.84
research-agent.hooded167 txns · $25.05
treasury.hooded143 txns · $12.87
agent-router.hooded118 txns · $7.08
Other184 txns · $19.22
Volume by privacy tier
Confidential$57.91
Shielded$40.92
Agent (x402)$21.53
MPP routed$18.44
Full privacy$14.22
Total$152.82
Activity heatmap
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More
5.1On-chain Receipts5.2Selective Disclosure5.3Audit Exports

Private banking,
on pump.fun.

Join the revolutionRead the docs