Polygon Wallet добави частни плащания за USDC и USDT: защита за институционали

Polygon Wallet launches private payments: stablecoins with protection for institutions

The Polygon developers have introduced a feature Private Payments in their native wallet now users can send USDC and USDT in enhanced privacy mode. The solution, implemented in partnership with the protocol Hinkal, uses ZK-proofs to encrypt key transaction metadata.

This is not just an interface update, it is a strategic response to the main barrier holding back institutional adoption of public blockchains: lack of privacy while maintaining compliance.

⚙️ How the technology works?

The architecture of Private Payments is based on three principles:

🔹 ZK-encryption of metadata: sender, recipient and transaction amount are hidden using zero-disclosure cryptography;
🔹 Public verification: third-party observers only see the fact of a valid operation in the network, but not its financial content;
🔹 Built-in KYT monitoring: each transaction is checked for regulatory compliance before execution - privacy ≠ anonymity.

Key feature: non-custodial model. The Hinkal protocol does not store user funds - control over assets remains with the wallet owner throughout the transfer.

🎯 Who it's made for?

The feature is primarily aimed at corporate and institutional scenarios:

✅ B2B settlements: payment for contractor and supplier services without disclosing commercial terms to competitors;
✅ Internal transfers: moving funds between company departments without public display of financial flows;
✅ Treasury operations: liquidity management while maintaining confidentiality of strategic decisions;
✅ Cross-jurisdictional payments: transfers between legal entities in different countries without excessive data disclosure.

It was precisely the lack of privacy that prevented banks and payment teams from working with stablecoins in public networks, the developers note.

⚖️ Balance of privacy and compliance

Polygon emphasizes: the feature does not create a dark zone for illegal operations. On the contrary:

🔹 KYT (Know Your Transaction): built-in check of each operation for sanction risks and suspicious patterns;
🔹 Access for regulators: authorized bodies can access encrypted data if there are legal grounds;
🔹 Audit without publicity: companies can confirm the legitimacy of transactions without disclosing details to the market.

Such an approach allows to comply with AML/CFT requirements without sacrificing trade secrets.

🌍 Context: Polygon's strategic turn

The launch of Private Payments fits into a broader transformation of Polygon Labs:

January 2026: acquisition of two crypto startups for $250 million;
Restructuring: optimization of staff and focus on priority areas;
New strategy: bet on stablecoin payments and institutional infrastructure.

Private Payments is the first product reflecting this shift: from a universal L2 solution to a specialized platform for corporate financial operations.