FinTech · blockchain

A public blockchain with zero-knowledge privacy

1network for public and private transactions

Zagg Network

ZKzero-knowledge transaction privacy

Hybridaccount + UTXO ledger

1network, one consensus

Client: Zagg Network
Industry: FinTech and payments
Region: India and global
Engagement: Protocol to product
Platforms: Protocol, web and mobile

Related solutionPayments, payouts and digital wallets

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The challenge

Zagg Network needed a public blockchain that natively supports confidential transactions, with no sidechains, off-chain settlement or trust-based models, while remaining auditable and scalable. On top of it, a gift card and wallet platform had to hide that complexity from merchants and users.

What the system had to handle

Private and public transactions on one network
No sidechains, bridges or off-chain settlement
Payment-grade throughput and low latency
Consumer-grade experience without exposing blockchain complexity

Our role

End-to-end technology and architecture partner: protocol and ledger architecture, the zero-knowledge privacy framework, smart contracts, and the Giftzy admin, merchant and user applications.

How it works

From protocol to product

ZAGG Protocol

Privacy-enabled public blockchain

Zero-knowledge proofs
Shielded UTXOs
Account-based ledger
Input-hiding smart contracts
Single network, single consensus
Private order books and DEX

Giftzy platform

Gift cards and wallets

Admin: dashboards, merchant KYC, monitoring
Merchant: card creation, controls, ledger, analytics
User: wallet, PIN, buy, pay, transfer, QR

Enterprise use cases enabled

Built on the same network

Corporate travel and expense
Gift cards and loyalty
Insurance premiums and claims
Voucher and subsidy distribution
Cooperative savings
Enterprise asset issuance

What we built

Hybrid ledger

Account-based ledger plus shielded UTXOs on a single network with a single consensus for all transaction types.

Zero-knowledge validation

A proof framework that validates private transactions without revealing them.

Smart contracts and assets

Input-hiding smart contracts, fungible and NFT assets, private order books and atomic settlement.

Wallet identity

Public/private key wallet identity with seed-phrase recovery.

Results

ZKzero-knowledge privacy

1network, one consensus

Hybridaccount and UTXO ledger

Nosidechains or bridges

Roles separated cryptographically
Faster merchant KYC onboarding
No sidechain or bridge risk

Technology

Protocol: Zero-knowledge proofs, shielded UTXOs, smart contracts
Web: Angular
Backend: Node.js
Data: PostgreSQL, ledger-first design

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