Anchae is a consumer-facing neobank where balances are Hidden by default, sending is just typing a handle, and Groth16 zk-SNARKs settle every move on chain inside ~90 seconds. The chain never sees the user's balance, counterparty, or amount.
UR as Anchae's fiat rail and card-issuing partner across every chain Anchae supports — beginning with Mantle Network. Multichain on the chain side. Singular on the rail side.
Anchae does not rely on optimistic windows, mixers, or trusted relayers for value-bearing operations. Privacy is a constructive proof, not a procedural promise.
A Groth16 zk-SNARK is the verifier on chain. Each Hide / Private Send / Unhide proves a valid note was consumed and a new note created — without revealing sender, recipient, or amount. Proof size is constant (~200 bytes). Verification is one pairing check, fits any EVM L2 gas budget, Mantle included.
Proof generation runs inside an AMD SEV-SNP TEE on Azure Confidential Computing. The SDK validates remote attestation (Azure MAA JWT) before talking to the prover — verifying genuine TEE hardware, expected code hash, no tampering. Settlement is ~90 seconds, with indexer-grade balance and history immediately.
If prover and indexer go dark, every user can scan the chain locally with their viewing key, reconstruct notes, generate a proof on their own device, and pull funds through a delay window. Self-custody is non-negotiable. TEE accelerates UX. It never gates withdrawal.
| Key | Purpose | If compromised |
|---|---|---|
| EOA ECDSA | Move funds | (never leaves device) |
| EdDSA auth | Sign in ZK circuit | cannot move funds alone |
| Viewing | Decrypt your metadata | read-only, no spending power |
| Nullifying | Mark notes spent | cannot create or move notes |
UR runs standard fiat-to-stablecoin flows. The chain sees a deposit into a shielded pool. There is no path for chain analytics to expose UR customer activity, and no path for Anchae infra to forge fund movements without user signature.
Scoped viewing keys can be issued for auditor or tax-export use cases when the user opts in. Each viewing key reveals a pre-defined slice (one account, one date range) and nothing more. Anchae is a privacy-preserving account, not a mixer.
No "shield." No "vault." No hex addresses. The user types $brian, taps Send, and 90 seconds later the chain has settled the proof. They see Cash App. They get privacy.
Direct fiat → stablecoin from UR Swiss IBAN into an Anchae Hidden balance. User funds account in EUR/CHF/USD via SEPA/SWIFT/SIC. Stablecoin lands on Mantle (or Base/Optimism/Soneium when those rails extend), auto-Hidden client side. UR sees standard fiat-to-stablecoin flow. Chain sees a deposit into the shielded pool.
Hidden balance → UR fiat payout. User taps "Send to my bank." Anchae unshields the exact amount to a UR-controlled receiving address; UR settles to the user's IBAN. End-to-end is one button. Chain sees one unshield + transfer; UR sees a clean deposit from a known address.
Mastercard debit issued by UR's Swiss-regulated partner, sourced from Anchae Hidden balance. Authorization triggers a just-in-time unshield through a paymaster-funded route. User taps to pay anywhere globally; merchant sees a card transaction; chain sees one unshield per authorization batch.
$anchae handle resolution exposed to UR for in-app discovery. UR users can pay an $anchae handle directly; the receiver gets a Hidden credit. Symmetric for Anchae users sending to UR usernames once UR exposes its directory.
We propose rail-level integration with UR as preferred fiat partner across all chains Anchae supports, including Mantle Network.
Anchae shows the user one balance across all chains. Chain selection is auto-resolved at send time. Power users see chain logos inline; consumers never deal with bridging. Mantle is our next mainline integration — sequenced with UR's Mantle support and this collaboration.
| Chain | Status | Rationale |
|---|---|---|
| Base | Live | Highest stablecoin DAU on L2, Coinbase distribution corridor |
| Optimism | Live | Superchain alignment, mature stablecoin supply |
| Soneium | Live | Sony partnership, Asia consumer corridor |
| Mantle | Next, on this collab | ZK Validity Rollup narrative, UR rail, Asia thesis |
| Ethereum L1 | Selective | Settlement and high-value Hidden positions only |