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Zoniqx zProtocol

Multi-Jurisdictional Compliance for Tokenized Assets
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Zoniqx zPayRails bridges traditional finance and blockchain with cryptographic trust. Built on zkTLS (Zero-Knowledge Transport Layer Security) and Trusted Execution Environments (TEE), it enables secure, compliant, and verifiable fiat-to-crypto transactions, without ever exposing personal or payment data on-chain.

What is Zoniqx zPayRails?

Zoniqx zPayRails is a next-generation on/off-ramp infrastructure that allows users and institutions to move between fiat, stablecoins, and crypto assets with cryptographic privacy, verifiability, and regulatory compliance.

By integrating Bridge’s global fiat payment network with zkTLS proofs and modular smart contracts

Zoniqx zPayRails ensures:

Privacy: No sensitive data is revealed during transaction verification.

Verifiability: All payments are cryptographically attested and validated on-chain.

Compliance: Tiered KYC/AML and auditable transaction trails.

Speed: Instant settlement and minimal fees across chains.

The Zoniqx zPayRails Advantage

Privacy-Preserving Architecture

  • zkTLS verifies fiat transactions without exposing user details.


  • TEE environments guarantee proof integrity and resistance to side-channel attacks.


  • Future-ready for MPC (multi-party computation) validation via EigenLayer.

Seamless Fiat-to-Crypto Bridge

  • Direct integration with Bridge Elements and Checkout.


  • End-to-end process: user pays → proof generated → on-chain verification → crypto delivered.


  • Fully asynchronous pipeline with idempotent transaction queues.


Multi-Chain, Non-Custodial Settlement

  • Blockchain-agnostic: supports Ethereum, Solana, Bitcoin, and Layer-2s.


  • Tokens delivered directly to the user’s wallet, no custodial risk.


  • Universal Router integration for swaps and gas optimization.

Security by Design

  • Reentrancy protection and input validation in smart contracts.


  • Role-based access control and slippage limits.


  • External smart contract audits and TEE attestation.



Regulatory Alignment

  • Tiered KYC model for global compliance.


  • Integrated AML monitoring through Bridge and partner services.


  • zkTLS documentation supports regulators without exposing private data.


Core Components

Frontend

React + TypeScript app with embedded Bridge checkout and wallet connect.

Smart Contracts

  • PaymentBridge – Accepts proofs and orchestrates transfers.
  • Verifier – Validates zkTLS proofs and extracts payment data.

  • TokenSwap – Executes swaps through Universal Router.

Security

TEEs, encrypted memory, certificate pinning, formal verification.

zkTLS Layer

Wraps TLS communications in zero-knowledge proofs for private verification.

Backend Services

Node.js coordination of Bridge API, proof generation, and blockchain calls.

How Zoniqx zPayRails Works

User receives crypto directly in their wallet.

TokenSwap executes delivery or stablecoin conversion.

User initiates fiat payment via Bridge interface.

TEE environment verifies payment and generates zkTLS proof.

Bridge processes transaction and triggers backend hooks.

Smart contract validates proof on-chain using Verifier and PaymentBridge contracts.

Institutional Use Cases

Exchanges & Marketplaces

Offer compliant fiat on-ramps without storing customer data.

DeFi Protocols & Wallets

Enable in-app fiat purchases and direct stablecoin deposits.

Merchants & Payment Platforms

Accept card or bank payments settled directly in crypto.

Banks & Asset Managers

Bridge client funds into tokenized markets through regulated rails.

Developers & Ecosystem Partners

Integrate zkTLS-verified payments into dApps, wallets, and custodial systems.

GEO Optimization

SEPA payments, EURC settlement, PSD2-compatible APIs.

ACH, Fedwire, card integrations; FINRA/SEC-ready compliance.

Faster Payments, FCA transaction reporting.

AED/SAR on-ramps for tokenized real-estate and fund flows.

UPI/IMPS rails, MAS-regulated fiat/stablecoin gateways.

Why Choose Zoniqx zIdentity

Power compliant, private, and instant money movement for Web3.
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Frequently Asked Questions (FAQ)

1. What is Zoniqx zPayRails?
2. How does zkTLS protect user privacy?
3. Which blockchains are supported?
4. How does Zoniqx zPayRails ensure compliance?
5. Is Zoniqx zPayRails custodial?
1. What is Zoniqx zPayRails?
2. How does zkTLS protect user privacy?
3. Which blockchains are supported?
4. How does Zoniqx zPayRails ensure compliance?
5. Is Zoniqx zPayRails custodial?
6. What are transaction fees?
7. How fast are settlements?
8. Can merchants integrate Zoniqx zPayRails?
9. How does the TEE enhance security?
10. What’s next for Zoniqx zPayRails?
6. What are transaction fees?
7. How fast are settlements?
8. Can merchants integrate Zoniqx zPayRails?
9. How does the TEE enhance security?
10. What’s next for Zoniqx zPayRails?
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Implementation Snapshot

Connect issuers to exchanges, custodians, and liquidity venues

Automate token allocation and investor cap table management

Enable compliant cross-chain and cross-border distribution

Support issuance, transfers, and corporate actions throughout the lifecycle

Expand liquidity access and secondary market participation

Legal & Regulatory Notice

Zoniqx zPayRails is a technology infrastructure for fiat-to-crypto and stablecoin transactions. It does not provide financial, tax, or legal advice. Customers are responsible for complying with applicable laws in their jurisdictions.
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No correspondence or information provided on zoniqx.com or by any representative of Zoniqx Inc should be construed as a recommendation of any security, or agreement to apply for or buy any securities, to effect or conclude any transaction of any kind whatsoever in any jurisdiction to any person to whom it is unlawful to make such an offer. Each investor is advised to conduct his/her own due diligence as Zoniqx Inc does not provide any investment, business, tax or legal advice.
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