Stellar Community Fund

Haven: privacy-first crypto neobank

SCF #45

Description

Haven - privacy-first crypto neobank

Everyday banking on public blockchains, without exposing the user's financial life on a public ledger.

problem

Every on-chain payment exposes the payer. Anyone can look up a wallet and see salary, balances, and purchase history.

solution

Haven packages private, compliant payments into a product people already know how to use, a neobank. One app: top up, hold, send P2P, on/off ramp, swap, and spend by card.

How it works

Two properties define our privacy model.

Native on-chain privacy: as Stellar's confidential-balance and shielded-transfer products reach mainnet, Haven adopts them.
Identity separation: KYC is held only by licensed partners, never by Haven; Haven holds activity data with no link to personal data.