Account
Vaults and note consolidation
One identity, separate shielded buckets for savings, trading, business and spending, plus the background housekeeping that keeps proofs fast.
Status: pre-launch. Noirpay is being built. This page describes the design as specified in the whitepaper; nothing on it is live on Robinhood Chain yet, and details can change before launch. See What's live today.
Vaults
A vault is a sub-account under your spending key: a separate bucket of notes with its own name, balance, yield setting, card binding and spending policy. Typical layout:
| Vault | Use | Yield | Card |
|---|---|---|---|
| Savings | Long-term USDG | Allocated, auto-sweep on | No |
| Trading | Tokenized stocks and DCA | Per position | No |
| Business | Invoices in, expenses out | Auto-sweep above a float | Bound |
| Spending | Day-to-day | Off | Bound |
Moving money between vaults is an internal transfer inside the pool: nothing is visible on-chain.
A business account has vaults too, with role-based policies on top.
Note consolidation
A balance made of many small notes is slow to spend: a proof has to open each note, and fees grow with the count. Noirpay consolidates in the background, merging small notes into larger ones when the account is idle, so:
- proofs stay fast on a phone;
- fees stay low;
- a withdrawal draws from consolidated notes, which also helps time decorrelation.
Consolidation is a self-transfer inside the pool. The chain sees a proof was verified; it doesn't learn the account.