How do confidential payments work?

Sova uses a form of encryption (FHE) that keeps payment data unreadable even while it is processed. Balances, amounts, and counterparties stay private on the ledger, yet remain verifiable and compliant.

Businesses that need confidential payment infrastructure (e-commerce, agencies, fintech, DAOs) and the people they pay or get paid by. The platform and API serve teams; the iOS app serves their users and connects to the platform natively.

Is Sova compliant with regulations?

Compliance-ready software, not a licensed institution. Every transaction is screened against sanctions lists before settlement. Pro and Business add custom rules, zkKYC attestations, and risk scoring via Predicate. Selective disclosure proves compliance without exposing details.

Do you hold my funds?

No. Sova never holds your funds. We cannot hold, access, or observe your money or transaction patterns. Your signing keys stay on your own systems, and our contracts are fixed: no admin keys, no upgrades, no back doors.

How much does it cost?

Sova takes no commission on payment volume. There is a Free plan, Pro is $49/month, Business is $499/month, and Enterprise is custom. Every plan includes transaction credits that cover your network fees.

Confidential payments, built to scale.

Accept USDC and USDT from customers, privately.Non-custodial, compliant, and API-first.

Start for free Contact sales

1 tap

No customer payment friction

< 1 min

To start

100%

Non-custodial

FHE

Encrypted

Solutions for every business model

Grow your business with confidential stablecoin payments. From your first transaction to your billionth.

Web application

Sova Platform

Manage private payments, invoices, and escrow. Automate invoicing, subscriptions, and payouts.Manage confidential stablecoin payments, invoices, and escrow from one dashboard. Deploy autonomous agents to automate invoicing, subscriptions, and payouts.

Payment links
Automated agents
Escrow payments
Developer API
Any wallet

Open Platform

iOS application

Sova iOS App

Connects natively to your Platform. Your users pay and get paid privately, with no wallet or gas.Connects natively to your Platform and extends confidentiality to your users. They pay and get paid from their phone, with no wallet setup and no gas fees.

No wallet needed
Biometric security
Instant notifications
QR & link payments
Network fees covered

See the app

Built with

Private payments for your app

Add confidential payments to your product with a few lines of code. Non-custodial, API-first, and ready to ship. Try the demo

Put idle balances to work, your choice

Automated agents, payments on autopilot

Non-custodial by design

Confidential payments that scale

Your keys stay on your systems. Payments are approved by you, balances stay under your control. We never touch funds.

Fully Homomorphic Encryption keeps data private even during processing. Compute on encrypted transactions, visible only to you.

FHE

Privacy by default

Arbitrum

Multichain via CCTP

Compliance without compromise

OFAC screening and AI-powered KYT built into every payment. Each one is checked before it settles, never after.

ZK proofs verify compliance without revealing what, how much, or who. Prove a payment passed screening, nothing more.

AI-powered KYT·ZK proofs·Selective disclosure

AI-powered KYTZero-knowledge proofsSelective disclosure

Blog

Latest from Sova

View all posts

Use Cases4 min read

Recurring payments publish your revenue

A subscription is the same amount, from the same counterparty, at a fixed interval. On a public chain that pattern is the easiest thing to read, and it adds up to your customer count, your revenue, and your churn.

Sep 2026Read

Use Cases5 min read

Escrow should not publish the price

Escrow exists to close the trust gap between two strangers. On a public chain, it closes that gap by publishing the amount, handing every buyer, supplier, and competitor the terms of every deal you have done.

Sep 2026Read

Technology5 min read

Confidential is not the same as anonymous

Hiding an amount, hiding an identity, and hiding a pattern are three different problems with three different failure modes. The industry uses one word for all of them.

Aug 2026Read

Simple, transparent pricing

Self-serve plans for real usage. Custom deployments for regulated and high-volume operators.

Free

always free

For first wallets and personal use.

Start for free

50 phantom links/mo
100 transaction credits/mo
Sanctions screening on every transaction

Free allowances are per verified user, not per account.

Pro

$49

per month

For creators, freelancers, and independent media teams.

Start with Pro

1,000 payment links/mo (overage $0.08/link)
500 transaction credits/mo
Confidential links, FHE
P2P cash-out, no Sova fee

Business

$499

per month

For merchants, DAOs, and small platforms.

Start with Business

Everything in Pro, plus:

10,000 payment links/mo (overage $0.05/link)
5,000 transaction credits/mo
Escrow, full API & 5 template agents

Enterprise

Custom

let's talk

For regulated, high-volume, or dedicated deployments.

Contact sales

Everything in Business, plus:

Network fees at cost
Dedicated or self-hosted deployment
Compliance package & custom agents

Sova takes no commission on payment volume, no yield spread, no relay margin. Additional network credits at cost +20%. Non-custodial throughout. See full comparison

One platform. Every way to get paid. From first payment to millions. Sova scales with you.From freelancers receiving their first payment to enterprises processing millions. Sova scales with you.

Creators

Audience support

Nonprofits

Donor & press privacy

E-commerce

Stablecoin checkout

Marketplaces

Buyer-seller escrow

Freelancers

Cross-border invoicing

Importers

Trade credit & terms

AI Agents

Autonomous payments

SaaS

Recurring billing

Agencies

Contractor payouts

OTC & Trading

Leak-proof settlement

DAOs

Confidential treasury

DePIN & VPNs

Private metered access

Have questions?

Frequently asked questions

Get paid privately.

Confidential. Protected. On autopilot.

Get in touch Schedule a call