Keep your ZEC.
Borrow privately.

Borrow with ZEC

1. 1

   Review your loan

   Choose a confidential token and review the borrowing limit, interest and repayment deadline. The private-collateral pilot uses a common public ceiling rather than a limit that reveals your exact deposit.

2. 2

   Lock shielded ZEC

   The intended deposit stage gives your loan its own shielded receiver. Your Zcash wallet sends the collateral; confirmation and lock checks must complete before borrowing is allowed.

3. 3

   Receive confidential tokens

   Once collateral is approved, use your Sepolia wallet to borrow. Zama performs the supported loan calculations on encrypted values.

4. 4

   Repay, then recover your ZEC

   Repay the principal and interest before the deadline. After repayment is verified, the signing participants authorize the shielded collateral return. The return is complete only when its Zcash transaction confirms.

Use Positions → Borrowed to follow your loan. Borrowing, repayment and collateral return are separate stages. Missing a fixed repayment deadline can trigger the agreed collateral recovery policy.

Lend and earn

1. 1

   Choose what to supply

   Select a supported confidential test token in Lend. Review the displayed interest and deadline before approving the token permission and supply transaction.

2. 2

   Fund a loan offer

   Your offer supplies confidential tokens for one eligible loan. Once matched, the funds are committed to that loan rather than being immediately withdrawable.

3. 3

   Track principal and interest

   Open Positions → Supplied. Authorize private viewing with your wallet to see the available balance and interest actually received. Interest comes from borrower repayments; it is not guaranteed yield.

4. 4

   Withdraw when available

   An unmatched offer can be withdrawn. A matched offer unlocks after the required settlement or recovery decision. Nonpayment follows the disclosed default process and can cause losses or delays.

Lending requires a configured, verified market. Borrowers’ locked ZEC stays separate from lender token balances. Optional vault reinvestment is a later feature.

Two wallet roles. One loan.

Sepolia wallet

The Connect button connects a supported Ethereum browser wallet. It approves confidential token transactions and private viewing requests. You need Sepolia ETH for network fees.

Zcash testnet wallet

Open Connect and choose Zcash Testnet to authorize a compatible testnet Noir extension. This only connects an account; it does not request a balance, sign a transaction or lock collateral. A payment QR is a separate send request. The native private collateral client and signing integration are still in development; connecting Noir does not replace them.

NEAR, later

NEAR is a third ecosystem in the plan. Optional NEAR Intents routing would help users move between supported assets. It is not required for the current Zcash–Sepolia pilot and is not live in Sicara yet.

Never share a seed phrase or private key with Sicara. Testnet and mainnet Zcash addresses differ; only use the network shown in the app.

What each technology protects

Zcash shields ZEC payments

Shielded transactions hide their payment details from public observers. A recipient with the appropriate viewing key can still see what it receives. Sicara’s private-collateral design keeps that viewing material with the client rather than the ordinary app backend.

Zama protects supported token and loan values

Confidential contracts calculate on encrypted values. Authorized wallet holders can decrypt their own supported balances. Transaction activity, addresses, loan matching and public policy terms can remain visible.

Privacy still needs verification across the whole flow

Client-held keys, verified collateral locks and safe release must work together. Hiding the association between a Zcash deposit and an Ethereum borrower is separate work; full unlinkability is not established by this prototype.

Try it with test assets

Open Faucets beside the Testnet badge in the app for Zcash, Sepolia and NEAR test resources, plus Sicara’s confidential test token faucets.

cUSDC and Demo ZAMA are self-issued, valueless demo tokens. cUSDC is not Circle-issued USDC and cannot be redeemed for dollars. Faucet availability and rate limits apply. Never send mainnet assets to a test address.