Softseco — Confidential payments on Solana with eUSD

$1.00

Redeemable at par

0%

Reserve backing

0ms

Settlement target

0h

Disclosure window

0%

Protocol fees

The four pillars

An entirely new architecture for digital cash.

Privacy without surveillance. Compliance without intrusion. Settlement without intermediaries. eUSD is engineered around four foundational properties.

Token-level confidentiality

Balances and transfer amounts are encrypted on-chain via twisted ElGamal encryption and bulletproof range proofs — defaults, not opt-ins.

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Reserves you can verify

A 20/40/40 model across liquid USDC, tokenized US Treasuries, and delta-neutral DeFi positions, with daily on-chain Proof-of-Reserves attestations.

View reserves →

Compliance by design

Auditor-key architecture under multisig enables lawful regulator disclosure with 24-hour delayed transparency. No surveillance, no backdoors.

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Shielded settlement

The Shielded Liquidity Vault is an AMM with encrypted reserves and zero-knowledge invariants — neutralising the categories of MEV that drain ordinary stablecoin flows.

See use cases →

Private by default

Your treasury isn't a public spreadsheet.

Every USDC payroll run, every PYUSD invoice, every supplier payment on a transparent ledger is observable to competitors, counterparties, and any analytics firm with a block explorer.

Confidential transfers between Token-2022 accounts
Encrypted balances visible only to the account owner
Address decoupling — KYC at the perimeter, not in circulation
Bulletproof range proofs prevent invalid issuance

Confidential payments

Compliance, not surveillance

Regulator-ready from the first block.

eUSD is engineered around MiCA's E-Money Token category. Reserves segregated, redemption at par on demand, no interest, and a documented disclosure path for KNF supervisory requests.

MiCA EMT alignment

Designed against Article 19, Article 22(4), and Article 39 of Regulation (EU) 2023/1114.

FATF Travel Rule

Originator and beneficiary at licensed CASP partners on the mint/redeem perimeter.

Auditor Key

Multisig-protected selective decryption with public, delayed disclosure log.

Sanctions hooks

EU consolidated and OFAC SDN screening enforced at the protocol layer via TransferHook.

Read our compliance posture →

The 20 · 40 · 40 reserve

Backed at par. Verified daily. On-chain.

Every eUSD in circulation is backed by at least one dollar of reserves, split across instant liquidity, US Treasury exposure, and delta-neutral DeFi.

20%

Liquidity tranche

USDC in a 2-of-3 Squads v4 multisig vault for instant 24/7 on-chain redemption.

40%

Tokenized US Treasuries

BUIDL, OUSG, and equivalent regulated short-duration RWA products with daily NAV redemption.

40%

Delta-neutral DeFi

Stablecoin lending on Aave and Kamino with fully hedged positions and conservative risk parameters.

Built for builders

Integrate confidential payments in an afternoon.

An open-source SDK in TypeScript and Rust gives wallets, payment processors, and indexers a single import to read encrypted balances, construct confidential transfers, and consume Proof-of-Reserves.

TypeScript Rust Anchor Token-2022 MIT licensed

Read the docs

// Send a confidential transfer with the eUSD SDK
import { ConfidentialClient } from '@softseco/eusd'

const client = new ConfidentialClient({
  cluster: 'mainnet-beta',
  wallet,
})

const tx = await client.transfer({
  to:     'A9pq…hRtv',
  amount: 2500_00,   // cents
  memo:   'Invoice #482',
})

console.log(tx.signature)
// ↳ encrypted on-chain, settles in ~400ms
          

Solutions

One token. Three audiences. Real value, every time.

For individuals

Hold dollars privately, send to anyone with a wallet, and keep your salary, savings, and tips out of public block explorers.

For businesses

Confidential payroll, invoicing, and treasury — your supplier list and pricing schedule remain yours, not the public's.

For exchanges

List a MiCA-aligned EMT with zero protocol fees, Jupiter-routed liquidity, and a reference SDK that drops into existing custody stacks.

A deliberate path, not a sprint.

eUSD launches when it is ready — audited, authorized, and operationally proven. No shortcuts on safety.

Phase 1

Foundation

Whitepaper, SDK release, incorporation in Poland, grants.

2026

Phase 2

Development

Devnet deployment, first audit, MiCA pre-application with KNF.

2027

Phase 3

Compliance

EMI application submitted, comprehensive audits, closed beta.

2028

Phase 4

Mainnet

Beta launch with USDC mint, Jupiter routing, daily PoR live.

Q1–Q2 2029

Build on confidential dollars.

Whether you're integrating eUSD into a wallet, an exchange, a payroll system, or your own treasury, Softseco is ready to talk.

Become a partner Read the docs

The first confidential dollar built for European finance.