CA : 0xec66b89a2b08fcfd498f8e25c969a410603ca9f0
PRIVATE PAY · ROBINHOOD CHAIN

Send MoneyLike a Text

Hood USDP lets anyone send regulated USDG to a phone number — completely privately, on Robinhood Chain. Confidential balances, unlinkable transfers, and a claim-by-link so the recipient never needs a wallet or seed phrase.

ECOSYSTEM OVERVIEW

The HOOD USDP Ecosystem — Built on Robinhood Chain

A confidentiality and reach layer for USDG on Robinhood Chain — combining FHE, ZK, embedded wallets, and phone-number payments into a single stack.

ABOUT HOOD USDP
§ 01 — OVERVIEW

Stablecoins Are Fast. On a Public Chain, They're Fully Exposed. Hood USDP Makes Them Private + Reachable.

Robinhood Chain launched mainnet on June 30, 2026 — an EVM L2 built for regulated finance. Every balance and transfer is still visible by default. Hood USDP fixes that.

Jun 30, 2026
Robinhood Chain mainnet launch — an EVM L2 on Arbitrum Orbit, purpose-built for regulated finance.
3 Tiers
Full Private, Semi-Private, or Standard — pick your confidentiality / fee trade-off per payment.
Our Thesis
Send USDG to a phone number, privately, and the recipient claims it with a link. Confidential balances via FHE, unlinkable transfers via ZK, settled in Robinhood Chain's native regulated dollar — with no wallet or seed phrase required to receive.

Public blockchains promise fast, low-cost stablecoin settlement, but their default transparency exposes every balance and every counterparty. And you can only pay someone who already has a wallet address — excluding nearly everyone you'd actually want to pay.

Hood USDP is the confidentiality and reach layer for USDG on Robinhood Chain. FHE hides balances, ZK unlinks transfers, and SMS claim-links let you pay anyone with a phone. A wallet is created for the recipient on the fly, gas is sponsored, and unclaimed funds auto-refund. Send money like a text — privately.

Stablecoin Payments Today Are
Exposed.
Tracked.
Public.
Traceable.
Unreachable.
Complicated.
Broken.
THE PROBLEM
§ 02 — DIAGNOSIS

Fast Rails, Zero Privacy, No Reach

Public L2s broadcast every payment by default, and stablecoins can only reach people who already have a wallet. That's a dealbreaker for anyone sending real money to real people.

01

Exposure

On a public L2, every balance and payment is visible — anyone can profile your holdings, counterparties, and habits.

DEFAULT
02

Reach

You can only pay someone who already has a wallet address — excluding nearly everyone you'd actually want to pay.

BLOCKED
03

Onboarding

Receiving crypto normally means installing an app, writing down a seed phrase, and understanding gas — a wall most people won't climb.

BROKEN
04

Cost of Privacy

Existing privacy tools are all-or-nothing and expensive, with no way to trade off confidentiality against speed and fee.

RIGID
BASELINE
Public L2 Exposure
What's visible on-chain today
Balance Visibility
100%
Transfer Traceability
96%
Counterparty Exposure
92%
Non-Wallet Reach
8%
Recipient Onboarding Friction
88%
Privacy Flexibility
12%
HOW IT WORKS
§ 03 — MECHANISM

Send USDG like a text — privately

Three building blocks — phone-number reach, FHE + ZK privacy, and a privacy dial — combined into a single payments experience on Robinhood Chain.

01
SMS ESCROW + CLAIM LINK

Pay Any Phone Number

Enter a phone number and an amount. Funds lock in escrow and the recipient gets an SMS with a one-time claim link — no wallet address required.

  • No wallet needed
  • On-the-fly wallet creation
  • Auto-refund on timeout
02
FHE + ZK PRIVACY

Confidential by Default

FHE keeps balances encrypted on-chain; ZK unlinks transfers. Amount, sender, and recipient stay hidden — while USDG still settles on Robinhood Chain.

  • Encrypted balances
  • Unlinkable transfers
  • Relay-protected origin
03
PRIVACY AS A DIAL

Three Privacy Tiers

Pick per payment: Full Private (max confidentiality), Semi-Private (amount hidden), or Standard (fully public, lowest fee).

  • Full Private
  • Semi-Private
  • Standard
ARCHITECTURE
The Full Privacy Stack
FHE confidential balances, a ZK shielded pool, a relay network for origin protection, and SMS escrow — all native to Robinhood Chain and settled in USDG.
01 Robinhood Chain
02 FHE Balances
03 ZK Shielded Pool
04 USDG
05 SMS Escrow
06 ERC-4337 Gas
WEB4 READY · AGENTIC ECONOMY OPTIMIZED

The Private Agentic Wallet for Web4

USDP pioneers the confidential infrastructure for the Web4 agentic economy. Our ZK-powered platform empowers institutions, developers, and AI agents to transact on Robinhood Chain with unparalleled privacy, ushering in an era of secure, autonomous commerce.

X402 PAYMENTS
Autonomous Exchange
ZK PRIVACY
Guaranteed
ROBINHOOD L2
High-Speed Settlement
WHO IT'S FOR
§ 05 — AUDIENCE

A Role for Everyone

From first-time recipients who've never touched crypto to HUSDP stakers running the relay network — every participant has a place, and a reward.

01 / EVERYDAY SENDERS

Pay Anyone With a Phone

Send USDG to a phone number the same way you'd send a text — privately, with a claim link that works on any smartphone.

  • 01Rent & bills privately
  • 02Split expenses in Standard tier
  • 03Cross-border USDG payouts
  • 04No wallet needed to receive
02 / FIRST-TIME RECIPIENTS

SMS to Money in Seconds

Tap the SMS link, a passkey-secured wallet is created on the fly, and the USDG is released — no app install, no seed phrase, no gas.

  • 01Instant embedded wallet
  • 02Gas sponsored (ERC-4337)
  • 03Hold, send onward, or export
  • 04Auto-refund if unclaimed
03 / HUSDP HOLDERS

Stake, Route & Share Fees

Run a relay node, provide shielded-pool liquidity, or stake HUSDP to earn a share of protocol fees plus USDG reserve yield.

  • 01Relay-node staking
  • 02Shielded-pool LP
  • 03Buyback + burn flywheel
  • 04USDG yield share
CRYPTOGRAPHIC CORE
§ 06 — STACK

Five Layers of Privacy + Reach

FHE hides balances, ZK unlinks transfers, a relay layer protects origins, and phone-number escrow removes the wallet barrier — all settled in USDG on Robinhood Chain.

01
SMS & Escrow Layer

Phone-number payments, claim-by-link, on-the-fly wallet creation, auto-refund

TWILIO / AWS SNS
PASSKEY WALLETS
TIMEOUT REFUND
02
FHE Confidential Balance

USDG stored as ciphertext; contracts add/subtract/compare without seeing plaintext

ENCRYPTED BALANCES
CLIENT-SIDE DECRYPT
HOMOMORPHIC OPS
03
ZK Shielded Pool

Commitments + nullifiers unlink transfers; amount, sender and recipient stay hidden

NOIR / CIRCOM
ZK-SNARK PROOFS
UNLINKABLE
04
Relay Network

ZK proofs routed through staked relay nodes to obscure IP and transaction origin

ORIGIN PROTECTION
STAKED OPERATORS
FEE-EARNING
05
Robinhood Chain Settlement

USDG (Paxos, MAS/MiCA-regulated) settled on Robinhood Chain — Arbitrum Orbit L2

CHAIN ID 4663
FCFS SEQUENCING
ETH GAS · SPONSORED
4-WEEK ROADMAP
§ 07 — TIMELINE

From First Private Transfer to Public Scale

Four weeks to a working stack: confidential rails, phone-number reach, three privacy tiers, then AA gas + yield share — shipping in that order.

WEEK 1

Rails

65% COMPLETE

USDG confidential token (FHE), ZK shielded pool, and HUSDP live on Robinhood Chain — first private transfer end-to-end.

FHE confidential USDG
ZK shielded pool
HUSDP token deploy
WEEK 2

Reach

UPCOMING

SMS escrow + claim-by-link, on-the-fly wallet creation for first-time recipients, and auto-refund on timeout.

SMS escrow contract
Claim-link PWA
Turnkey embedded wallets
WEEK 3

Tiers

UPCOMING

Three privacy tiers (Full / Semi / Standard), relay routing for origin protection, and the fee flywheel with buyback + burn.

Privacy tier toggle
Relay network v1
FeeCollector + buyback
WEEK 4

Scale

UPCOMING

Account-abstraction gas sponsorship at scale, USDG reserve yield share to in-protocol holders, and governance over fees and privacy params.

ERC-4337 paymaster
USDG yield share
Governance module
Public mainnet UX
THE APP

A Payments App Where Crypto Disappears

Enter a number, enter an amount, send. Privacy and the on-chain machinery stay invisible — the same certainty as sending a text.

FHE

Confidential Balance

Your USDG balance is stored as an FHE ciphertext on Robinhood Chain and decrypted only on your device — nothing public, only you can see your true holdings.

hoodusdp.app/wallet
Confidential Balance (USDG)
Privacy
Full
🔒 ZK Protected
$24,891.50
🔒 FHE-encrypted on Robinhood Chain
USDG
$18,420.00
Shielded USDG
$6,471.50
Ready to send USDG like a text?
FAQ
§ 08 — QUESTIONS

Deep Dive into HOOD USDP

Q.01

How do I send USDG to a phone number?

+

You enter a phone number and an amount, and pick a privacy tier. Your USDG locks in the Hood USDP SMS escrow contract on Robinhood Chain, and the recipient gets an SMS with a secure, one-time claim link. When they tap it, a wallet is created for them on the fly and the USDG is released. If they never claim, the funds auto-refund to you after a timeout — no lost money, no dead-ends.

Q.02

How is privacy actually enforced on-chain?

+

Balances are stored as FHE ciphertexts, so contracts can add, subtract, and compare amounts without ever seeing plaintext. Transfers additionally pass through a ZK shielded pool, so the link between sender and recipient can't be reconstructed from on-chain data.

Q.03

What are the three privacy tiers?

+

Full Private hides amount, sender, and recipient. Semi-Private hides the amount only. Standard is fully public with the lowest fee — you choose the trade-off on every payment.

Q.04

Why Robinhood Chain and USDG?

+

Robinhood Chain is an EVM L2 on Arbitrum Orbit purpose-built for regulated finance, and USDG is a reserve-backed, regulated stablecoin issued by Paxos. Together they give Hood USDP fast, low-cost settlement without giving up regulatory footing.

Q.05

Do recipients need ETH or a wallet to receive money?

+

No. A wallet is created for the recipient automatically when they tap their claim link, and gas is sponsored, so they never need to hold ETH or manage a seed phrase just to receive a payment.

Q.06

What does HUSDP actually do?

+

HUSDP is the protocol token. Holders can stake it to run relay nodes, provide shielded-pool liquidity, or simply stake for a share of protocol fees and USDG reserve yield.

Still have questions? Reach out to us on Twitter
PRIVATE PAY · ROBINHOOD CHAIN

Send MoneyLike a Text

Hood USDP is private stablecoin payments to any phone number, settled in USDG on Robinhood Chain. No wallet address needed to receive. No seed phrase. No ETH. Just a link.