Open beta on Android · iOS coming soon
Encrypt your messages
and your money.
Zapp is a peer-to-peer messenger with a shielded Zcash wallet built in. No middlemen, no centralized servers, and no compromise on your privacy.
No phone number. No email. No permissions.
Messaging
Holepunch P2P
The stack behind Keet
Wallet
Zodl fork
By Zcash's creators
Swaps
NEAR Intents
No exchange account
Offramp
P2P.me
On-chain escrow
Private money should bespendable money.That's why we built Zapp to settle in fiat.
On a transparent blockchain, every payment you ever make is public: the amount, the counterparty, the time, forever. Anyone who learns your address can read your balance and your entire history.
Zcash closed that gap with shielded transactions: encryption at the protocol level, not obfuscation. Zapp brings that same protection to your messages, so your money and your chats live in one app, secured by a single seed phrase.
What's inside
Private money. Private messages. Local rails.
A messenger and a wallet in one app, with no compromise on your privacy.
01
Messaging without middlemen
Every message is end-to-end encrypted and travels directly between devices over Holepunch, the peer-to-peer stack behind Keet. There is no messaging server to breach, subpoena, or shut down.
02
Money that moves like a message
The shielded Zcash wallet lives inside every conversation. Tap the payment icon, enter an amount, send. Paying a friend feels like sending a text.
03
A built-in offramp
Swap between ZEC and USDC in-app through NEAR Intents, or turn ZEC into local currency with no exchange account and no identity checks, settled peer-to-peer through the P2P.me protocol.
Live in India, Brazil, and Indonesia today, with more countries on the way.
The foundation
Security inherited, not invented
Zapp's wallet is built on Zodl, the flagship open-source Zcash wallet from the team that created the protocol itself. Every release inherits Zodl's architecture, its shielded-by-default design, and years of security hardening, and we track upstream to port improvements as they ship.
Everything we add on top, messaging, swaps, and the offramp, is built the same way: non-custodial and peer-to-peer, with no servers in the middle.
01
Self-custody, always
Your keys are generated on your device and never leave it. We cannot move, freeze, or even see your funds. One recovery phrase restores your wallet and your chat identity.
02
Shielded by default
Payments use shielded Zcash, so amounts, balances, and counterparties stay off the public ledger. Transparent ZEC that arrives can be shielded in one tap.
03
Nothing to know about you
No accounts, no analytics, no tracking SDKs. Zapp collects nothing about you, so there is nothing to leak, sell, or hand over.
ZEC in the real world
Turn ZEC into local currency.
Live in India, Brazil, and Indonesia today. Argentina, Mexico, and Venezuela are coming soon.
Pay any UPI, PIX, or QRIS code straight from shielded ZEC, with no exchange account and no identity checks.
Step 01
Scan or enter a UPI ID
Point Zapp at any UPI QR code, or type a UPI ID and an amount. Works at a shop counter, for a friend, or for your own bank account.
Step 02
ZEC converts privately
Zapp swaps your shielded ZEC through NEAR Intents into a fresh wallet created just for the order. No centralized exchange, no custodian, and nothing that links back to your balance or history.
Step 03
Rupees land in minutes
A verified peer on the P2P.me protocol settles the payment over UPI, secured by on-chain escrow. Most orders complete in minutes.
Live in India (UPI), Brazil (PIX), and Indonesia (QRIS) today. Argentina, Mexico, and Venezuela are on the way.
Questions
Frequently asked questions
What is Zapp?
Zapp is a peer-to-peer messenger with a shielded Zcash wallet built in. Messages travel directly between devices over Holepunch, with no servers in the middle. Payments are shielded Zcash: encrypted on-chain and invisible on the public ledger. The wallet is a direct fork of Zodl, the flagship Zcash wallet.
How is Zapp different from WhatsApp, Telegram, or Signal?
All three need an account and route your traffic through their servers. Even when the content is encrypted, the record of who talks to whom is theirs to keep. Zapp has no servers and no accounts, so that record is never collected anywhere. And none of them carry private money: Zapp's payments are shielded Zcash, settled between you and the recipient.
Do I need a phone number or an email address?
No. There is no sign-up at all. Your chat identity and your wallet both derive from one seed phrase generated on your device. Nobody, including us, learns who you are.
Who can read my messages?
Only the people in the conversation. Messages are end-to-end encrypted and exchanged directly between devices. There is no Zapp server that could read, store, or hand over your conversations, because there is no Zapp server at all.
Who holds my money?
You do. Zapp is non-custodial: your keys are generated and stored only on your device. We cannot move, freeze, or even see your funds. One recovery phrase restores both your wallet and your chat identity.
How do I turn ZEC into cash?
Swap between ZEC and USDC in-app through NEAR Intents, or pay any UPI QR code in India directly from shielded ZEC. A verified peer on the P2P.me protocol settles the rupees, secured by on-chain escrow. No exchange account, no identity checks. Every order runs through a fresh wallet, so nothing links the payout back to your balance or history. More countries are on the way.
What payment methods does the offramp support?
Zapp's offramp pays out over local payment rails. UPI in India, PIX in Brazil, and QRIS in Indonesia are all live today. Scan a QR code or enter an ID, and a verified peer on the P2P.me protocol settles in local currency, secured by on-chain escrow. Argentina, Mexico, and Venezuela are next.
What happens if I lose my phone?
Your money survives; your messages do not. The recovery phrase restores your wallet and your chat identity on a new device. Chat history lives only on the device it happened on, which is exactly what makes it private.
Is Zapp free?
Yes. The app is free, with no ads and no subscriptions. You pay normal Zcash network fees when you transact, and the third-party protocols behind swaps and the offramp set their own rates.
More questions, including beta access, swaps, and recovery details, in the full FAQ.
Open beta on Android
Your money and your messages
Encrypted.
No server to breach. No account to mine. No custodian to trust. The beta is free and open on Google Play.
Download on Google PlayQuestions first? Read the FAQ