Open Finance,
Privately Verified.
Connect bank accounts, credit scores, and assets to Web3 applications without exposing the underlying data.
Who this is for
100%
On-chain verification
No centralized gatekeeper
0 PII
Data transmitted
Zero raw data exposure
30+
Chains supported
Omni-chain by design
< 2s
Credential check
At smart contract level
Compliance at the contract level, privacy at the user level.
User verifies once
KYC/AML completed in the zkMe Identity Wallet. A ZK proof is generated — no raw data leaves the device.
Credential issued on-chain
A credential is written to the user's wallet address, encoding eligibility signals without any PII.
Protocol checks credential
The smart contract queries the credential and receives a yes/no compliance signal — nothing more.
Access granted
The user participates. The protocol satisfies its regulatory obligations. No personal data was ever collected.
How Open Finance
protocols use zkMe
Select a use case to explore the problem, solution, and outcome.
RWA platforms must verify accredited investor status across jurisdictions, but income and net-worth documents create serious data liability.
zkOBS issues a zero-knowledge credential proving accreditation against bank, brokerage, or payroll data — without revealing the underlying figures to anyone.
Platforms onboard accredited investors globally with one yes/no signal. Users prove qualification without exposing income, holdings, or net worth.
DeFi lending and credit markets need to verify borrower income or net worth without forcing users to upload pay stubs or bank statements to a third party.
zkOBS connects to bank, payroll, or brokerage data via zkTLS and issues a credential proving an income or net-worth threshold — actual figures stay on-device.
Lenders underwrite trust-minimized loans against verified financial signals. Borrowers prove eligibility without sharing raw data.
Credit protocols want to extend undercollateralized loans, but cannot underwrite without borrower income, employment, and repayment history — which centralizes sensitive financial data.
zkOBS issues credit-readiness credentials from bank, payroll, and on-chain repayment data. Protocols receive risk-bucketed signals, never raw records.
Lenders price risk on verified borrower attributes. Users access credit without surrendering full financial history to every protocol they touch.
Stablecoin issuers and payment rails must confirm a user owns the bank account on the other side of a transfer — but bank logins and statements are sensitive data no one wants to store.
zkOBS connects to the user's bank via zkTLS and issues a Proof of Bank Ownership credential. Rails verify ownership cryptographically, with no credentials handled.
On-ramps verify bank ownership before settlement. Users complete bank-linked transfers without exposing login credentials to any party.
The credentials that power this solution
Each credential plays a specific role. Composable — use one or combine several.
