Privacy-preserving payroll platform built on Horizen

PolyPay is a privacy-preserving payroll platform that combines Horizen's privacy layer with cross-chain settlement infrastructure. It enables organizations, DAOs, and global teams to run payroll privately on Horizen while staying on their preferred blockchain.

• Private Payments: Salary amounts and recipients stay confidential
• Private Multisig: Team approvals without exposing signer identities using zero-knowledge proofs
• Flexible Payment Logic: Support for escrow-based, milestone-based, and recurring transfers
• Cross-Chain Settlement: Operate on Horizen while maintaining presence on preferred blockchains
• Fiat Integration: Seamless on/off-ramp services for fiat-to-crypto conversions

• 🚀 Crypto-native startups and SMBs looking for private payroll solutions
• 🏛️ DAOs managing contributor payments and treasury operations
• 🏢 Traditional businesses entering the crypto ecosystem
• 🔒 Teams using Safe or Squads who want privacy upgrades without changing workflows

Current on-chain payment solutions expose sensitive business information publicly, creating significant barriers to enterprise adoption:

• Employee salaries are visible to everyone on the blockchain
• Payment recipients can be tracked and linked to wallet addresses
• Multisig approvers are publicly identified, exposing organizational structure
• Competitors can analyze your spending patterns and business operations

• Most solutions offer only simple transfers
• No support for conditional payments (escrow, milestones)
• Difficult to implement recurring payroll schedules
• Poor integration with existing multisig workflows

• Complex crypto operations intimidate traditional businesses
• No seamless fiat conversion options
• Steep learning curve for non-crypto-native users
• Lack of compliance and audit trails

These privacy and usability issues prevent businesses from adopting on-chain payments, limiting:

• Mainstream crypto adoption
• On-chain transaction volume
• Enterprise migration to Web3
• DAO operational efficiency

PolyPay addresses these challenges through innovative privacy technology and user-centric design:

Instead of storing public addresses on-chain, PolyPay uses cryptographic commitments:

commitment = hash(secret, secret)

• The secret is derived from signing a message with your wallet
• The commitment is stored on-chain in a Merkle tree
• Only you know the secret that matches your commitment

When you sign a transaction, you prove "I am an authorized signer" without revealing which signer you are.

Traditional Multisig vs PolyPay:

PolyPay uses a dedicated relayer wallet to further enhance privacy:

• Signers submit ZK proofs off-chain to the backend
• The relayer executes transactions on behalf of users
• No signer address ever appears on-chain

Every transaction signature proves four things simultaneously:

1. "I know the transaction" - Verifies the transaction hash using Poseidon Hash
2. "I signed it" - Validates ECDSA signature (Ethereum standard)
3. "I am authorized" - Proves membership in signers list via Merkle proof
4. "I haven't signed before" - Prevents double-signing using nullifiers

nullifier = hash(secret, tx_hash)

The circuit is written in Noir and compiled to UltraPlonk for efficient verification via zkVerify.

Complete Flow:

1. User signs tx_hash with Ethereum wallet → produces signature
2. Frontend generates ZK proof with private inputs (signature, secret, merkle_path)
3. Backend submits proof to zkVerify for verification
4. Smart contract executes when threshold reached, verifying all proofs and checking nullifiers

• Confidential Payroll: Keep salary information private
• Compliance Ready: Integration with compliance protocols like Predicate
• Flexible Payments: Escrow, milestone, and recurring options
• Cost Efficient: Reduce operational overhead

• Private Treasury Operations: Hide contributor payments and budget allocation
• Multisig Privacy: Maintain operational security
• Cross-Chain Flexibility: Operate on Horizen while supporting multiple chains

• Easy Onboarding: Fiat on/off-ramp integration
• Familiar Workflows: Upgrade existing Safe/Squads setups
• Lower Barrier: User-friendly interface for non-crypto teams

• Privacy Layer: Horizen for privacy infrastructure
• Verification: zkVerify for efficient proof verification
• On/Off-Ramp: Integration with services like Bridge for fiat payments
• Compliance: Predicate and other third-party protocols
• Deployment: Base mainnet (Ethereum L2)

• ✓ Create and manage multisig wallets on Ethereum Sepolia testnet
• ✓ Hide signer identities with ZK proofs
• ✓ Execute payroll payments to multiple recipients
• ✓ View transaction history and wallet balance
• ✓ Commitment-based identity system
• ✓ Zero-knowledge proof generation and verification

Milestone 1: Testnet Launch ✅ Completed: November 16, 2025

• Functioning app on Horizen testnet
• Horizen privacy integration
• Technical documentation with privacy proofs
• Beta testing with user feedback

Milestone 2: Mainnet Launch 🏗️ Target: December 31, 2025

• Deploy on Base mainnet with full functionality
• Privacy compliance documentation and audit reports
• Integration with Horizen ecosystem tools
• Process 100+ transactions in first month
• Achieve 100% feature parity with testnet

Milestone 3: Scale 📈 Target: March 1, 2026

• Onboard 5+ active businesses from Base ecosystem
• Strategic on/off-ramp partnerships
• 30% of transactions involve fiat conversion
• Growth metrics achievement

1. Mainnet Launch with Core Features

   • Deploy on Base mainnet
   • 100% feature parity with testnet
   • 100+ transactions in first month

2. Onboard Base Ecosystem Businesses

   • Acquire 5+ active businesses
   • Migrate existing Base payroll users

3. Strategic Partnerships

   • Integrate major fiat on/off-ramp protocols
   • 30% fiat conversion rate

PolyPay is the first privacy-preserving, cross-chain payroll platform that provides:

• ✨ Features that Request Finance and Copperx don't offer
• 🔒 Complete transaction privacy (amounts + identities)
• 🌉 Cross-chain settlement on Horizen
• 💰 Programmable payment logic (escrow, milestones, recurring)
• 🔐 Private multisig with ZK proofs
• 💵 Seamless fiat integration

1. Connect Wallet: Connect your Ethereum wallet
2. Generate Identity: Sign a message to create your secret commitment
3. Create/Join Wallet: Deploy new multisig or join existing one
4. Propose Transaction: Create transfer and generate ZK proof
5. Sign: Other signers approve with their ZK proofs
6. Execute: When threshold reached, execute the transaction

🌐 Beta App: [Coming Soon] 📺 Video Demo: [Coming Soon] 📚 Documentation: [Coming Soon]

• Privacy: Horizen Privacy Layer
• ZK Proofs: Noir + UltraPlonk + zkVerify
• Blockchain: Base (Ethereum L2), Ethereum Sepolia (Testnet)
• Smart Contracts: Solidity
• Frontend: Next.js + TypeScript
• On/Off-Ramp: Bridge Protocol (planned)
• Compliance: Predicate (planned)

PolyPay is currently in private development. We welcome feedback and partnership inquiries.

• 🌐 Website
• 🐦 Twitter/X
• 📖 Horizen Documentation
• 📖 zkVerify Documentation
• 📧 Contact: [Coming Soon]