Today, Payy becomes a network, and privacy becomes native to onchain money.
For the past three years, we’ve held an unwavering focus on perfecting onchain privacy. You’ve seen it take shape through Payy Wallet and Payy Card, with 100k organic users and $130M/year in unincentivized stablecoin volume.
But while we were building the product, something unexpected happened: dozens of crypto and fintech teams began asking how they could add Payy-level privacy to their own products. These conversations revealed a growing institutional problem. Nearly every bank, fintech, and enterprise is telling us the same thing:
They cannot move real capital flows onchain if their financial data is exposed to the world.
That’s when it became clear: the infra powering Payy wasn’t just an internal advantage, it was the only battle tested, compliant privacy infrastructure in the market that others could actually use. So we quietly expanded it. And slowly, it became a network.
Today we’re announcing Payy Network: Ethereum’s first and only privacy-native EVM L2.
How does it work?
Every ERC-20 lives in a chain-native privacy pool by default. Direct transfers happen inside the pool, while smart contract interactions automatically pull funds out of the pool to a fresh EVM address. Users and developers don't have to think about privacy, it's magically added to every transaction.
- Send an ERC-20 on MetaMask? Private.
- Swap on a DEX? Uses a new address every time.
- Deposit to liquidity pool? Unlinkable to your other transactions.
I firmly believe privacy is the final barrier to critical mass adoption. By removing it, we’re unblocking the path for the $2 quadrillion global payments economy to move onchain, without turning every transaction into a data leak.
Finally, privacy isn’t a tradeoff, it’s a default.
Welcome to the era of invisible privacy.