Use Cases and Applicability

What builders can develop on top of Privax Protocol

1. Undercollateralized Lending dApp 🏦

Borrow without locking full collateral. Loans are issued based on verifiable risk assessments using zero-knowledge circuits. Each user is evaluated through a private scoring system — if risk checks pass, a loan is granted. A separate zk-circuit monitors the entire portfolio to ensure the protocol stays solvent and balanced.

No trusted parties, no data leaks — only logic and math.

How It Works

• Risk Instead of Collateral The user passes a set of checks — if they’re not risky, they get a loan.

• Checks as ZK Circuits Each rule (KYC, repayment history, credit score, etc.) is a ZK circuit that returns true or false. If all are true — the loan is issued.

• Portfolio Health Circuit One more circuit monitors the entire protocol. It makes sure that total risk and exposure stay balanced. If this circuit returns false, no new loans are issued.

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2. Private P2P Transfers 🔐

Send and receive crypto without exposing your wallet or balance.

Ideal for:

• OTC deals – keep your large trades invisible to market watchers.

• Salary & payments – show only what’s needed, not your full wallet history.

• Investments – store tokens in stealth addresses, protect your strategy.

• DeFi – swap tokens, provide liquidity, farm, etc. — all privately.

All powered by zero-knowledge proofs, running in a sleek, non-custodial wallet.