Finance Solutions on the TACEO Network
Public blockchains expose everything by default: balances, counterparties, amounts, transaction flows. That's a dealbreaker for real financial operations. TACEO's finance solutions let developers, institutions, and AI agents move value on the chains they already use without putting their business on a public ledger.
Our finance offering is one privacy solution, Merces, with multiple features on top. Merces is TACEO's confidential token transfer protocol. It wraps existing ERC-20 tokens (such as USDC) into a private form. Balances are held as secret shares across the TACEO Network, state transitions are verified onchain via CoSNARKs, and no single party (including TACEO) sees what anyone holds or sends. Compliance primitives are built into the protocol, not bolted on top.
Merces is an integrable privacy layer for the chain you already use. Two things set it apart:
- We come to you. Merces deploys on the EVM chain you already use. No migration, no new asset.
- Solutions, not primitives. A payment system you can plug into a stablecoin or fintech product, not raw cryptographic building blocks you have to assemble.
Canonical write-up: core.taceo.io/articles/merces-onchain-finance.
What's available today
Merces ships two privacy modes, selectable per transaction, plus compliance and integrations on top.
| Capability | What it does | Status |
|---|---|---|
| Confidential payments | Hide amounts and balances. Sender and receiver visible. | Live on Arc and Base testnets. Reference Implementation: merces-dashboard.taceo.io/arc. |
| Fully private payments | Hide amounts, balances, sender, and receiver. | Live on Plasma testnet. Reference App: merces.taceo.io. |
| Compliance dashboard | Selective disclosure to authorized auditors. | Live on Plasma testnet alongside the private payments deployment. |
| Confidential x402 | HTTP-embedded confidential payments. | Live on Base testnet. |
The confidential payments network has processed ~5M demo transactions across Arc and Base testnets, sustaining ~300 TPS with single-digit-cents gas per transfer on L2. Mainnet deployment is in progress.
Features
Private Payments
Private ERC-20 transfers on the EVM chain you already use. Users get a private virtual account alongside their normal public wallet.
Best fit:
- Payroll, treasury, and B2B settlement that can't be public
- Stablecoin issuers and fintechs offering confidential accounts
- White-labeled privacy rails inside an existing product
Confidential x402
The HTTP 402 Payment Required protocol with hidden amounts. Drop-in privacy for x402 clients and servers, no application code changes.
Best fit:
- Paid APIs with dynamic or negotiated pricing
- AI agents transacting across providers without leaking strategy
- Per-customer deals you can't put on a public ledger
Compliance
Privacy-preserving KYC, AML, sanctions, and Travel Rule. Selective disclosure via MPC, not surveillance infrastructure.
Best fit:
- VASPs and regulated entities on private payment rails
- Fintechs integrating Merces who need compliance in the flow
- KYC providers issuing privacy-preserving attestations
Coming Soon
Private Yield
In active development.
Compliant private yield on Ethereum. Earn on private balances without exposing positions, counterparties, or strategy. Designed for regulated deployment from day one.
Private DeFi
On the roadmap.
Confidential swaps, dark pools, and approvals. Brings the private-balance model to swap routers, intent flows, and DeFi composability, so traders and LPs aren't forced to broadcast strategy to the rest of the market.
Going deeper
| Goal | Start here |
|---|---|
| Add private payments to your product | Private Payments |
| Hide payment amounts on a paid API | Confidential x402 Quickstart |
| Understand the compliance story | Compliance |
| Read the protocol paper | Escudero et al., IACR ePrint 2026/850 |
| Browse the source | github.com/TaceoLabs |
Looking for a design partner slot? We're working with a small group of stablecoin issuers, fintechs, and payment infrastructure teams shipping private rails to production. Email the team. General questions go in Discord.