AnomaPay
Anoma
AnomaPay is a private payments network 'powered by Anoma' (a Swiss project, 'Swiss made') that lets you transfer stablecoins and ERC20 tokens confidentially on EVM blockchains. It leverages the Anoma Resource Machine and a zero-knowledge 'shielded pool': transfers between AnomaPay users are visible only to the parties involved, while the pool's total balance stays public. It targets P2P payments ('use crypto like cash'), international remittances, payroll and onchain business transactions, with an eye on institutions and stablecoin providers too. Onboarding requires no installs: you sign in with a passkey or by connecting a wallet (MetaMask, Phantom, Coinbase) and can pay a contact by email or on apps like Telegram and X instead of an address. Fees are paid in assets you already hold (gas abstraction). V1 is live on Ethereum and BNB Chain. It is not a card and should not be confused with AnomaCard (anomacard.com), a separate and unrelated service.
Data & conditions
| Service type | Stablecoin infrastructure |
|---|---|
| Pricing model | — |
| Stablecoins | USDC, USDT |
| Fund custody | Self-custody (funds in your control) |
| KYC | No KYC |
| Supported countries | US, EEA, UK, APAC, LATAM, MENA, AFRICA |
| Regulator | N/D — nessuna licenza di pagamento nota |
| OAM Italy registration | No |
| Segment | B2C, B2B |
| MiCA / License status | Protocollo di pagamento non-custodial; nessuna licenza EMI/CASP pubblica nota Non applicabile / non dichiarato (protocollo non-custodial) |
Strengths
- Real privacy: shielded transfers with ZK
- Non-custodial, no funds held
- Fees payable in assets you already hold (gas abstraction)
- Pay contacts via email/Telegram/X, not addresses
- No-install onboarding (passkey or wallet)
- Self-custody: funds stay in your wallet — the platform cannot touch them.
- No KYC: usable without identity verification.
Weaknesses
- Very recent V1 product, limited track record
- Still limited assets/chains (Ethereum, BNB Chain)
- No fiat rails and no card/account product
- Pricing not publicly detailed
- Regulatory framing of the privacy model still to be clarified
- Subject to regulation (Non applicabile / non dichiarato (protocollo non-custodial)): reporting to authorities and freezes on order.
Verdict
On consumer protection, the non-custodial model removes counterparty risk on funds (the user keeps control), but as a V1 protocol with no public audits found and no insurance coverage, caution is warranted until the track record matures.
Through the sovereignty lens AnomaPay is among the best-aligned options: self-custody, KYC-free access and privacy by design via zero-knowledge. It is exactly the kind of infrastructure that maximizes user control and confidentiality.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Sources
- Official service page Casi d'uso · Onboarding Data verified on Jun 17, 2026
- anoma.net Azienda · Posizionamento Data verified on Jun 17, 2026
- docs.anoma.net Blockchain · Asset · Privacy · Custody Data verified on Jun 17, 2026
Update history
- Rating editoriale No → 3.5 Editorial rating updated
- Tier N/D → B Tier updated