Design Philosophy

The design philosophy of zCloak.Money is rooted in two core principles: 100% On-Chain and 100% Self-Custodial.In traditional systems, enterprise-grade wallets often rely on centralized custodial services or single-server key management, creating inherent contradictions between trust and regulation. In zCloak.Money, all logic and state are executed within blockchain smart contracts. The system has no servers, no databases, no off-chain frontends or backends, and no attackable single points of failure. Every instruction executes deterministically, every signature is generated through threshold mechanisms, and every account is verified and bound via WebAuthn Passkey.This architecture represents the next phase of digital finance—the first enterprise-grade Passkey wallet designed for decision-makers. When both security and execution are realized at the blockchain layer, trust no longer needs to be outsourced. Enterprises and multi-chain asset managers thus gain unprecedented autonomy and transparency.