Features & Architecture

No KYC Policy

GhostPay does not collect, verify, or store any Know Your Customer information. This is not a loophole — it is a core architectural decision. Our infrastructure is designed from the ground up to operate without identity data.

Without identity data, there is nothing to leak, nothing to subpoena, and nothing to sell. This is by design.

• No document uploads at any stage
• No identity verification APIs integrated
• No PII stored in any database, ever
• Application evaluation based on use case merit only
• Wallet-based authentication — no email-phone binding

End-to-End Encryption

Every transaction, message, and data packet within GhostPay is encrypted at every layer. We use a layered encryption model — transport, application, and payload — ensuring that even if one layer is compromised, the data remains protected.

• Transport: TLS 1.3 with pinned certificates
• Application: AES-256-GCM for all API communications
• Payload: User-controlled encryption keys (zero-knowledge)
• Key exchange: X25519 ECDH with ratcheting
• All keys ephemeral — rotated per session

Multi-Chain Support

GhostPay operates across multiple blockchain networks simultaneously. Our routing engine selects the optimal chain based on speed, cost, and privacy requirements — or you can specify your preferred chain per transaction.

• Bitcoin (BTC) — Layer 1 with CoinJoin integration
• Ethereum (ETH) — With privacy pool / mixing-compatible layer
• Monero (XMR) — Native privacy by default
• Solana (SOL) — High-speed settlement
• Stablecoins — USDT, USDC across multiple chains
• Cross-chain atomic swaps (trustless)

Instant Settlements

Internal transfers between GhostPay members settle in under 500ms. On-chain settlements use pre-funded liquidity pools to eliminate confirmation delays. No more waiting for block confirmations.

• Internal transfers: <500ms finality
• On-chain BTC: ~10min (accelerated via RBF)
• On-chain ETH: ~12s (pre-paid gas)
• On-chain XMR: ~2min (native privacy)
• No intermediary holding — direct settlement
• Irreversible by design — no chargebacks

Anonymous Invoicing

Generate, send, and settle invoices without exposing either party's identity. Each invoice is a one-time payment request with an ephemeral address. No paper trail. No metadata leakage.

• Ephemeral addresses per invoice
• No sender-receiver linking on-chain
• Invoice expiry and auto-void
• Encrypted memo field (E2E)
• Recurring invoice support with rotating addresses
• API for automated billing systems

Zero Data Retention

GhostPay does not retain transaction data, metadata, or logs beyond the minimum required for settlement. Once a transaction is confirmed, all associated data is cryptographically purged.

• Transaction records purged after 24h confirmation
• No IP logging — all traffic via Tor/I2P exit nodes
• No metadata stored — sender, receiver, amount, time
• Cryptographic proof of deletion (audit log hash)
• RAM-only processing — no disk persistence
• Third-party audit confirms zero retention