SHIELDED BY DEFAULT

Private money.
Real world.

Spend ZEC through a card built around privacy.

Get ZKARD Explore $ZKARD
ORCHARD SHIELDED POOL · UNIFIED ADDRESSES · CARD NETWORK
ZKARD
K
PRIVATE BALANCE
$12,482.90
SHIELDED 18.42 ZEC
•••• 2847 ZKARD
Recent
C Coffee Shop -$6.40
U Uber -$18.20
ZEC Deposit +$3,264.18
ZKARD
•••• 2847

Your wallet shouldn't become public just because you bought coffee.

SHIELDED ZEC Your wallet
ZKARD
Card payment
COFFEE $4.80

The merchant gets a payment. Not your wallet history.

HOW IT WORKS

Three steps. No detours.

01
Deposit

Send ZEC to your ZKARD shielded deposit address.

SHIELDED ADDRESS
u1q…7x4m
02
Spend

Your ZKARD balance becomes available for eligible card spending.

ZKARD
VIRTUAL
•••• 2847
KEVIN L09/30
03
Stay private

Your Zcash activity stays shielded wherever technically and legally possible. Only what the payment or compliance process requires is disclosed.

Merchant seesPayment + amount
Stays outZCASH HISTORY
How privacy works

Every payment,
a Privacy Receipt.

See exactly what was shared. And what wasn't.

C Coffee Shop Today · 8:42 AM $6.40
INFORMATION SHARED
Payment amount
Card authorization
Required payment metadata
NOT EXPOSED THROUGH THE ZCASH PAYMENT LAYER
ZEC wallet balance—
Zcash transaction history—
Other Zcash addresses—
Search activity
K
Home
Card
Activity
Privacy
Rewards
PROTOCOL
$ZKARD
Gauges
Settlement
PRIVATE BALANCE
$12,482.90
18.42 ZEC
SHIELDED
Activity Sort by: Recent
C Coffee Shop -$6.40 SHIELDED
U Uber -$18.20 SHIELDED
A Apple -$12.99 SHIELDED
H Hotel -$284.00 SHIELDED
ZEC Deposit +$3,264.18 SHIELDED
ZEC Cashback +$84.20 SHIELDED

ZKARD for mobile

Shielded in.
Spendable out.

Get ZKARD
C
- $6.40
Coffee Shop
Privacy Receipt
Sep 23, 2026, 8:42 AM
SourcePrivate Spend Balance
Zcash history SHIELDED
Card•••• 2847
Activity
Spend Deposits
C Coffee ShopToday -$6.40
U UberToday -$18.20
A AppleYesterday -$12.99
ZEC Deposit+4.82 ZEC +$3,264.18
H HotelSep 20 -$284.00
Rewards
This month $84.20 paid in ZEC
62% to next boost tier
Cashback1.5%
ZKARD boost+0.5%
Claim to shielded balance
Recent rewardsAll
Hotel cashback+$4.26
THE CARDS

Three finishes. One privacy model.

ZKARD
•••• 2847
ZKARD WhitePRIVATE
Everyday ZKARD. Physical + virtual.
ZKARD
•••• 2847
ZKARD BlackBLACK
Premium. Higher limits. Priority support.
ZK
ZKARD GhostGHOST
Minimal disclosure where legally available.
ZCASH + $ZKARD

The rails under the card.

SHIELDED

Built on shielded Zcash.

Deposits land in the shielded pool. Your balance and history stay there.

POOLOrchard shielded pool
ADDRESSUnified · u1q8v3k0…a2c4e6g8i29fj
DISCLOSURESelective, where supported
$ZKARD

The coordination layer
for private payments.

Lock→ veZKARD
Vote on gauges
Boost eligible rewards
Governance
Settlement liquidity incentives
veZKARD GAUGES
EPOCH 14 · 6D LEFT

Votes direct incentives.

ZEC Spending34.8%
USDC → ZEC21.4%
Merchant Rewards18.2%
Settlement Liquidity15.1%
New User Cards10.5%
SETTLEMENT

ZEC Settlement Vault

ZEC USDC ZKARD
TVL $18.4M
UTILIZATION 64%
VOLUME · 24H $2.8M
REWARDS
ZEC cashback, up to 1.5% with boost
THE FLYWHEEL
More private deposits → More spending → More protocol activity → More settlement demand → Deeper liquidity → Better payment experience → More users ↺

Not an investment product. No returns are promised. Rewards depend on eligibility, tier and jurisdiction.

ARCHITECTURE

Two flows. Kept apart.

Payment
ZCASH SHIELDED WALLET
ZKARD PRIVATE SPEND VAULT
LIQUIDITY / CONVERSION
CARD SETTLEMENT
PAYMENT NETWORK
MERCHANT
Coordination
$ZKARD
veZKARD
GAUGES
INCENTIVES
LIQUIDITY + USERS

Privacy is not hiding the payment from the merchant.
It's keeping your Zcash history out of it.

FAQ

Straight answers.

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{{ q.a }}

Privacy shouldn't end at checkout.

Shielded ZEC in. Everyday payments out.

Get ZKARD
ZKARD
•••• 2847