Institutional Use Cases
1. Payment Service Providers (PSPs) & Payment Processors
Problem
Public settlement exposes merchant volumes, routing relationships, and revenue concentration. Competitors, analytics firms, and counterparties can reconstruct business performance from on-chain data.
How Hinkal helps
Hinkal enables confidential settlement and payouts inside PSP dashboards, removing public visibility into:
Merchant volumes and flows
Routing and processing relationships
Treasury balances used for settlement
Outcome
Private merchant settlement on public chains
No change to custody, compliance, or fiat rails
Reduced competitive and operational exposure
Best for: PSPs, crypto processors, payment gateways, neobanks
2. Payroll, Contractor Payments & Invoicing
Problem
On-chain payroll and vendor payments expose salaries, pay cadence, organizational structure, and vendor relationships.
How Hinkal helps
Hinkal enables private payroll and invoicing flows using stablecoins, with optional selective disclosure for compliance and accounting.
Outcome
Salaries and payments remain confidential
No public “who paid who + how much” trail
Compatible with existing payroll and payout systems
Best for: Global payroll platforms, Web3 companies, DAOs, employers paying in stablecoins
3. Wallets & Embedded Finance Platforms
Problem
End users increasingly demand privacy, but wallets struggle to offer it without complex UX, chain migration, or regulatory risk.
How Hinkal helps
Wallets can integrate “send privately” functionality using Hinkal — abstracting shielding and routing under the hood.
Outcome
Private transfers from public wallets
No new wallet model or chain migration
Privacy delivered as a feature, not a fork
Best for: Wallet providers, embedded finance platforms
4. Card Issuers & Stablecoin Settlement
Problem
Stablecoin settlement for card programs exposes issuer volumes, redemption flows, and counterparty relationships on public ledgers.
How Hinkal helps
Hinkal enables confidential routing and batching of settlement flows while preserving existing redemption and fiat settlement processes.
Outcome
No linkage between issuer wallets and settlement endpoints
Privacy without changing networks, rails, or compliance models
Public-chain settlement without public-chain exposure
Best for: Card issuers, crypto card programs, payment networks
5. Treasury Operations & OTC Desks
Problem
Large transfers between desks, counterparties, and internal wallets broadcast inventory movements, AUM changes, and trading intent — increasing front-running and targeting risk.
How Hinkal helps
Hinkal enables confidential treasury movement and OTC settlement while preserving public-chain finality.
Outcome
Inventory movements are no longer publicly attributable
Counterparty relationships remain private
Reduced surveillance and execution risk
Best for: OTC desks, liquidity providers, funds, market makers
6. Partner, Affiliate & Revenue-Share Payouts
Problem
Public affiliate payouts expose partner lists, commercial terms, and total spend — allowing competitors to reverse-engineer growth strategies.
How Hinkal helps
Hinkal enables confidential partner payouts without revealing recipients, amounts, or aggregate spend.
Outcome
Partner networks stay private
Revenue-share logic is not externally visible
Reduced competitive intelligence leakage
Best for: Marketplaces, platforms, operators, creator and affiliate networks
Why Institutions Choose Hinkal
Universal — works across Ethereum, Solana, and major EVM chains
Non-custodial — assets remain under user control
Composable — integrates into existing stacks
Compliant by design — selective disclosure via viewing keys, KYT, and zkTLS
Neutral — not a chain, not a wallet, not a gatekeeper
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