What zCloak Network does

zCloak Network is a Singapore-headquartered infrastructure company building what it describes as the first fully on-chain financial operating system, deployed entirely as a blockchain protocol rather than as an application layer. The company's core technology combines zero-knowledge proofs, threshold cryptography (vetKey), and chain-key multi-chain signing to deliver self-custodial enterprise financial infrastructure with protocol-level security guarantees and no custodial intermediaries. Its product portfolio is organized as a platform-plus-modules architecture: zCloak Money provides enterprise treasury management, on-chain acquiring with KYT screening, multi-signature transfers with role-based approvals, and governance controls; zCloak ID delivers KYC, KYB, and KYT compliance connectors with zero-knowledge identity proofs and immutable audit-grade evidence chains; and zCloak AI extends treasury and compliance logic into AI-driven workflows via protocol-native APIs, developer SDKs, and granular agent permissions.

The company's go-to-market combines enterprise field sales (direct outreach via [email protected] targeting treasury teams, PSPs, and financial institutions) with product-led self-serve modules (zCloak Money, zCloak ID, zCloak AI). Revenue model is positioned as subscription/recurring across the three modules, though pricing is not publicly disclosed. zCloak has raised approximately $7.1 million in disclosed funding across a 2021 seed round and a June 2022 $5.8 million pre-Series A led by Coinbase Ventures, and operates with 11–50 employees. Strategic partnerships include UXLINK (55M+ users), Nebulai for AI identity, TinTinLand for developer engagement, and Intercont (Cayman) Limited, which announced plans in December 2025 to acquire up to 50% of zCloak's subsidiary Starks Network Ltd.

Name

zCloak Network

Legal name

zCloak Network Ltd.

Website

https://zcloak.network

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

zCloak Network builds a fully on-chain financial operating system using zero-knowledge proofs, threshold cryptography, and multi-chain signing. It serves enterprises, PSPs, and financial institutions with treasury (zCloak Money), compliance (zCloak ID), and AI-agent financial tooling (zCloak AI).

Ownership category

akta.pro rank

Product category

Blockchain Financial Infrastructure

NAICS

Securities and Commodity Exchanges (52321), Securities and Commodity Exchanges (5232)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Regulatory Reporting, Tax & Audit Trails (reconciliation, provenance) (FSAPAJAI)

akta.pro secondary industries

AML/KYC, KYB & Identity Verification (VASP/Travel Rule) (FSAPAJAC), Cross-Chain Wallet & Asset Routing Infrastructure (FSADACAJ), KYC/KYB Identity Verification & Onboarding (FSADALAA), Cross-Chain Security & Verification (light clients, zk/optimistic proofs, validation networks) (FSAPAKAF)

Keywords

• Zero-knowledge proofs
• Decentralized identity
• Crypto treasury management
• Blockchain compliance solutions
• Multi-signature wallet

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations

Revenue model

1. Enterprise Treasury & Payments (zCloak Money): Protocol-level treasury management, on-chain acquiring, multi-sig transfers, and governance controls for enterprise finance operations.
2. Compliance & Identity (zCloak ID): Universal KYC, KYB, KYT compliance connectors with zero-knowledge identity proofs and audit-grade on-chain evidence.
3. AI-Driven Financial Toolkit (zCloak AI): Agent support for protocol-native APIs enabling AI agents to initiate payments, trigger approvals, and reconcile accounts.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

zCloak Network operates the first fully on-chain financial operating system that exists as a blockchain protocol rather than an application on a blockchain. It delivers three product modules: zCloak Money (enterprise treasury and payments with multi-sig transfers, KYT screening, and zero gas fees), zCloak ID (universal KYC/KYB/KYT compliance connectors with zero-knowledge identity proofs), and zCloak AI (protocol-native APIs and SDKs enabling AI agents to initiate payments, trigger approvals, and reconcile accounts).

Product overview

zCloak Network is a platform-plus-modules architecture offering the first fully on-chain financial operating system. The core platform provides immutable on-chain infrastructure with chain-key cryptography and threshold encryption, while three integrated modules extend its functionality: zCloak Money (enterprise treasury and payments with multi-sig transfers and KYT screening), zCloak ID (compliance and identity with zk-KYC technology and audit-grade evidence chains), and zCloak AI (AI-driven financial toolkit with autonomous agent support and developer SDKs). Together, these products enable enterprises to operate finance with self-custody, privacy preservation, and protocol-level security.

Differentiator

Problem solved

Functional benefit

Products and services

• zCloak Money Enterprise treasury and payments module that transforms traditional treasury operations into protocol-level infrastructure. Provides structured wallet management with zero gas fees, on-chain acquiring with KYT screening, multi-sig transfers with role-based and weight-based approvals, timelocks, and institutional-grade governance controls with escalation paths and emergency recovery. Designed for enterprise treasury teams, cross-border businesses, and PSPs.
• zCloak ID Compliance and identity layer delivering universal KYC, KYB, and KYT integrations via modular connectors for diverse jurisdictional requirements. Uses zero-knowledge identity proofs (zk-KYC) to enable organizations to prove compliance without exposing sensitive data, with audit-grade evidence chains recorded immutably on-chain and scalable reusable verification for mass onboarding.
• zCloak AI Financial interoperability layer providing protocol-native APIs for AI agents to initiate payments, trigger approvals, and reconcile accounts. Includes pre-built developer SDKs for ERP, treasury, and settlement system integration, secure AI permissions with granular task boundaries, and a deterministic AI-to-finance bridge for human-machine collaboration.
• AI Multi-Signature Wallet World's first AI Multi-Signature Wallet that enables AI-human collaborative signing while maintaining human oversight. Combines zero-knowledge proof verification with multi-signature approval workflows for autonomous AI agent financial operations.
• Secure AI-ID Platform Platform developed through the Nebulai partnership that enables autonomous AI agents to verify their identity and compliance status to other agents or smart contracts without exposing sensitive metadata, creating trusted verification in decentralized environments.

Quantifiable outcome

• Zero gas fees for treasury operations
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature6 records

Partnerships

Three partnerships are on record, tiered core.

• NebulaicoreStrategic or Co-development Partner · 27 March 2026Strategic partnership to address trust challenges in autonomous AI systems by combining decentralized AI compute with zero-knowledge identity solutions. Introduces 'Secure AI-ID' platform enabling AI agents to verify identity and compliance status without exposing sensitive metadata. Represents industry shift toward trust layers for AI agents in Web3 and DeFi.
• UXLINKcoreStrategic or Co-development Partner · 26 January 2026Three-way partnership with UXLINK (55M+ users) and TinTinLand to advance AI agents in Web3 ecosystems, unveiled at Hong Kong Web3 Connect 2026. Combines zCloak's Zero Knowledge proof and AI Multi-Signature Wallet with UXLINK's platform and AI Growth Agent. Focuses on trust, privacy, and governance solutions for autonomous AI systems.
• TinTinLandcoreStrategic or Co-development Partner · 26 January 2026Three-way partnership with UXLINK and zCloak Network to advance AI agents in Web3 ecosystems. TinTinLand provides developer education and hackathon experience, complementing zCloak's zero-knowledge proof technology and UXLINK's platform.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Market position

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Customer concentration

• Xx.com/zCloakNetwork
• LinkedInlinkedin.com/company/zcloak-network

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds2 records

Investors16 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about zCloak Network