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.
Merces - Private OnChain Finance
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 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 chain you already use. No migration, no new asset.
- Solutions, not primitives. A ready-made solution 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.
Features
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. Custom deployments are available upon request.
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
Private Yield
Tapping into lending pools and vaults. Earn on private balances without exposing positions, counterparties, or strategy. Designed for regulated deployment from day one.
Coming Soon
Private DeFi
In active development.
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 our compliance capabilities | 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.