Use Cases
How individuals and businesses use Hinkal to keep payments, holdings, and settlement private on public chains. Grouped by audience, with the problem, the fix, and who it's best for.
A) For individuals
Everyday Payments
Problem: Paying from a public wallet publishes your balance, your history, and every counterparty to anyone who looks up the address - including the person you just paid.
How Hinkal helps: Hinkal Pay sends from the wallet you already use, with sender, recipient, and amount kept off the public ledger.
Best for: anyone paying people, merchants, or services in stablecoins
Private Swaps
Problem: Swapping on a public chain reveals what you hold, what you're moving into, and when - which is enough to front-run or profile you.
How Hinkal helps: Swap inside your private balance, same-chain or cross-chain, without the trade appearing against your address.
Best for: traders and holders who don't want their positions readable on-chain
Getting Paid Privately
Problem: Freelancers and creators who share a wallet address expose their income, client list, and pay cadence to every client and every stranger.
How Hinkal helps: Receive into a private balance controlled by your own wallet. Clients pay as usual; nobody sees who else paid you or how much.
Best for: freelancers, creators, contractors paid in stablecoins
Keeping Your Balance Private
Problem: A public address is a public net worth. Large balances attract phishing, social engineering, and physical targeting.
How Hinkal helps: Hold assets in a private balance that isn't visible on-chain, and cash out to any public address when you need to.
Best for: anyone holding meaningful value in a self-custodial wallet
Private Saving & Holding
Problem: Long-term holdings on a public address are a standing record of what you own, visible to anyone, forever.
How Hinkal helps: Move assets into a private account and keep them there - self-custodial, no new wallet, no custodian.
Best for: long-term holders, family treasuries, anyone saving in stablecoins
B) For businesses
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: Private settlement and payouts inside PSP dashboards, removing public visibility into merchant volumes and flows, routing and processing relationships, and 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
Payroll, Contractor Payments & Invoicing
Problem: On-chain payroll and vendor payments expose salaries, pay cadence, organizational structure, and vendor relationships.
How Hinkal helps: Private payroll and invoicing flows using stablecoins, with optional selective disclosure for compliance and accounting.
Outcome:
Salaries and payments stay private
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
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 integrate "send privately" using Hinkal, with shielding and routing abstracted 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
Card Issuers & Stablecoin Settlement
Problem: Stablecoin settlement for card programs exposes issuer volumes, redemption flows, and counterparty relationships on public ledgers.
How Hinkal helps: Private routing and batching of settlement flows, with existing redemption and fiat settlement processes preserved.
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
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: Private treasury movement and OTC settlement, with public-chain finality preserved.
Outcome:
Inventory movements are no longer publicly attributable
Counterparty relationships stay private
Reduced surveillance and execution risk
Best for: OTC desks, liquidity providers, funds, market makers
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: Private 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 Hinkal?
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