The future of money is
private by default.
Banking for humans and their AI agents.
Every transfer leaves your account encrypted and settles in 100ms blocks on Robinhood Chain. Your AI agents hold their own accounts, pay natively over x402, and never spend a cent beyond the limits you set. This is banking rebuilt for the agent economy.
A new economic species has arrived. AI agents already earn, spend, and settle with each other around the clock. HoodPrivate is the private financial layer they run on: a non-custodial neobank where humans and agents transact confidentially, and every settlement is verified on Robinhood Chain.
One account.
Two kinds of principals.
Human accounts and AI agent accounts live side by side on one protocol. Non-custodial, ZK-shielded, and governed by on-chain spending policies instead of server-side rules. Your money answers to you, not to a database.
1.0Accounts→Confidential by default.
Auditable by choice.
Every amount is encrypted with ElGamal and proven correct by ZK range proofs: hidden from all observers, verifiable by anyone. When you choose to disclose, a view key reveals exactly what you want and nothing more.
2.0Privacy→0x1a4b7c9d 3e6f2a1b 8c5d0e4f
0x6b2e9f1a 7c43d8e5 b0f4a29c
AI agents that pay
for themselves.
Agent accounts resolve x402 payment requests natively, with no human in the loop. Spending policies are enforced on-chain, so an agent can never outspend its mandate, and MPP routing splits every payment for privacy.
3.0Agents→Every transaction,
routed for privacy.
Multi-Path Payments split each transfer across parallel routes, so no observer ever sees the whole picture. Settlement stays atomic. Stealth addresses make every receipt unlinkable. Surveillance has nothing left to read.
4.0Protocol→Selective disclosure.
Full verifiability.
Every transaction's existence is proven on-chain while amounts stay encrypted. Share a view key to give an auditor read-only access, with nothing exposed to the public and custody never leaving your hands.
5.0Transparency→