keshi
Get early access
Your balance
$15,437.00
Only you can read this
On the explorer
amount
0x9f3e…ab4d
memo
0x44a1…0b7c
status
finalized
The fully private neobank on Solana

USDC balances encrypted on Solana. Agent limits enforced by NEAR. Stealth transfers through the Zcash shielded pool. Sign in with a passkey; no seed phrase.

The explorer shows a transfer happened. Only your device shows the amount.

01 · Private balances

Your balance, encrypted on Solana.

Your USDC lives as an encrypted balance on Solana. The chain confirms every transfer; only your devices can read the amounts.

Solana explorer
program
Keshi Vault
instruction
confidential_transfer
from
7f3aQ…c91e
to
2b9eK…a4d0
amount
0x9f3e71c0…e2ab4d
memo
0x44a1…0b7c
status
finalized
Your Keshi app
$▒▒.▒▒

Sent to @bob.keshi · Lunch

Encrypted on your device
02 · Agents with limits

Give your AI a card with a limit.

Give an AI agent its own USDC with a maximum per payment, a daily limit and allowed recipients. NEAR signs only what fits the policy.

Policy
Max per payment
5.00 USDC
Daily limit
50.00 USDC
Allowed recipients
@openrouter.keshi
Allowed websites
api.example.com
Live trace
request GET api.example.com/v1/report
payment_required 0.25 USDC
quote 0.25 USDC → @openrouter.keshi
policy_check passed on NEAR
paid tx 5Kq…e2a
retried → completed 200
03 · Stealth transfers

No on-chain link between you and the recipient.

Route through the Zcash shielded pool via NEAR Intents so there is no on-chain link between you and the recipient. 10 to 30 minutes, from 5 USDC.

YouKeshi balance
One-time addressSolana
Shielded poolZcash · NEAR Intents
One-time addressSolana
RecipientKeshi balance

Standard transfers hide the amount, not the fact that two accounts transacted. Stealth transfers hide the link as well.

Your passkey is your wallet. It derives your Solana keys, encryption keys and agent keys on your device and syncs through iCloud Keychain or Google Password Manager. Keshi never holds them, so add a second passkey.

One passkey
passkey →
walletencryption keysagent keysview keys

One passkey, every key

Phone, laptop or hardware key. Nothing to write down, nothing to leak.

Send to
@bob.keshi

Instant · amount hidden · no network fee

Handles, not addresses

People send to @name.keshi. Raw Solana addresses appear only for deposits and withdrawals.

import { KeshiAgent } from "@keshi/sdk";

const bot = new KeshiAgent({ apiKey, credential });

// 402 Payment Required → quote → policy check on NEAR → paid → retried
const res = await bot.fetch("https://api.example.com/v1/report");
const data = await res.json(); // paid 0.25 USDC

Your agent pays for APIs by itself, within the limits you set.

When an API answers 402 Payment Required, the agent pays in USDC and retries. A NEAR contract signs the payment only if it fits the policy.

0.10% in, 0.10% out, capped at 5 USDC. Everything between is free.

Move in and out

Deposits and withdrawals.

0.10%capped at 5 USDC

  • Rounded up to the smallest unit
  • $KESHI tier discounts, up to 75%
  • Withdraw to any address that already holds USDC
  • Stealth transfers: about $0.60 + 0.2%
See the fee calculator

Inside Keshi

Transfers between Keshi users.

Freealways

  • Instant, with the amount hidden on Solana
  • Network fees: 0. Keshi pays them
  • You hold only USDC, never SOL
  • Memos encrypted end to end
Get early access

Every balance is not. Anyone can check that each cUSDC is backed by USDC.

USDC in reserve▒▒▒▒▒▒

Held by the vault on Solana.

cUSDC supply▒▒▒▒▒▒

Confidential tokens in circulation.

Proof
Reading from Solana…

Both numbers are public on Solana and must match. Verify them on the Security page.

What if I lose my passkey?

If you lose every passkey, nobody can recover the account, including Keshi. Passkeys sync through iCloud Keychain or Google Password Manager, and the app asks you to add a second one on another device.

Is Keshi custodial?

No. Your keys are derived from your passkey and live on your devices. Keshi can pause deposits and withdrawals but cannot move your funds or read your balance.

Who can see my balance?

Only devices signed in with your passkey. If you want an accountant to see a period of activity, create a view key for that date range and revoke it when done.

Why a handle instead of an address?

People send to @name.keshi. Raw Solana addresses appear only for deposits, withdrawals and technical details.

What is cUSDC?

A confidential token on Solana backed one to one by USDC in the reserve. Your private balance is cUSDC. Withdraw and it becomes USDC again.

Can’t find the answer you’re looking for? Read every question

An email, a passkey, and your balance is private.

Get early access
USDC
cUSDC · 1:1
USDC