Your onchain business account for frictionless global payments

AnomaPay is the onchain payments hub for your business. Pay anyone, anywhere using your preferred assets and chains, with fast, low-cost transfers, real-time global settlement, and enterprise-grade confidentiality.

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AnomaPay use cases

Cross-border payments

Pay counterparties in your chosen assets leveraging the speed, low-cost, and immutability of blockchains without exposing balances and transactions publicly.

Onchain payroll & invoicing

Process payroll and invoice onchain without needing to jump through hoops, juggle multiple applications, or sign an endless series of transactions.

B2B stablecoin settlement

Avoid intermediary fees and delays by leveraging global stablecoin rails while maintaining bank-grade confidentiality.

Multichain treasury management

Seamlessly manage multiple assets across different chains from a single dashboard and avoid exposing sensitive financial data.

White-labeled enterprise solutions

Integrate a custom solution for confidential payments using the Anoma App SDK.

Confidential onchain payroll made easy

Process payroll onchain without exposing company finances. AnomaPayroll makes it easy and fast, with a dedicated payroll dashboard, transaction batching, and payment history. No more copying addresses and signing transactions one-by-one.

Try Payroll Beta

The AnomaPay Advantage

Confidential transactions

AnomaPay’s shielded transfers protect the sender, receiver, token, amount information, as well as any metadata, from being exposed to public view on transparent blockchains.

Customizable compliance

Configure risk management with custom compliance checks, whitelist/blacklists, and compliance tooling.

Ultra-fast settlement

AnomaPay provides ZK-powered transactions that reach finality within about 15 seconds, a fraction of the time offered by conventional onchain privacy solutions.

Simplified fee payment

AnomaPay offers gas abstraction so users don’t need to juggle different assets for fees. Fees are paid seamlessly in the asset being transferred.

Blockchain agnostic

AnomaPay can support payments on any blockchain. Support will expand from the current set of EVM-compatible chains to include additional blockchains, assets, and ecosystems.

The AnomaPay edge

Payment Infrastructure

AnomaPay

SWIFT

ACH

FedNow/RTP

SEPA

Settlement speed

15 seconds

2-5 business days

1-3 business days

Seconds

Instant to 24 hours

Confidentiality

Zero knowledge confidentiality

Bank standard

Geographical reach

Universal (Internet wide)

Global (11,000 banks)

US only

EU/EEA only

Transaction costs

Ultra low

High

Low

Low / Flat fee

Asset support

Any ERC-20 asset

Fiat only

USD only

Euro only

Availability

24/7/365

Bank hours only

Bank hours

24/7/365

24/7 or business hours only

How it works

AnomaPay reduces friction for onchain payments by providing a blockchain-agnostic payments interface that’s easy-to-use, fast, and confidential.

01 User Layer

Users interact via AnomaPay web or mobile app. AnomaPay accounts are created via users’ existing wallet or Passkey.

02 Service Layer

Upon users’ signed transaction request, the remote prover generates multiple Zero-knowledge proofs, proving asset ownership and transaction validity. No transaction metadata is publicly revealed.

03 Settlement Layer

The Groth16-based Protocol Adapter smart contract verifies the ZK proofs, then executes an update of the onchain state root.

AnomaPay transaction flow across the user, service and settlement layers

Powered by Anoma DOS

AnomaPay is built on the Anoma Distributed Operating System, which enables applications to work seamlessly across different blockchains and uses advanced zero-knowledge cryptography for enterprise-grade confidentiality. Learn more.