Quick answer: Avvio for Business lets you shield your balance and send funds privately to any address on any major network. Shielded funds move through a privacy pool, which removes the public link between your business account and the recipient. Payments settle in minutes, you keep full custody, and your compliance status is unchanged. Your balance, counterparties, and payment history are no longer visible to anyone with a block explorer.
Stablecoin rails solved the hard problems in cross-border payments: settlement time, cost, and reach. They also introduced one that traditional banking never had. Every transfer is recorded on a public ledger. Anyone who knows your business address can see your balance, your vendors, your payroll schedule, and your largest clients, in real time, without asking. For a business, that’s operational information sitting in the open.
Why are on-chain business payments public by default?
Most stablecoin networks are built on open ledgers. Transparency is what makes settlement fast, cheap, and verifiable. It also means every transaction is readable by anyone.
For a business running payments on these rails, the public can see:
- Current balance and how it changes over time.
- Every counterparty you pay, with amounts and frequency.
- Payroll timing and headcount signals.
- Which clients pay you, how much, and when.
- Large inbound or outbound movements, the moment they happen.
A bank account exposes none of this. It sits behind a login and is shared only with the bank, the counterparty, and whoever you choose. Until now, moving to stablecoin rails meant trading that privacy for speed. Businesses shouldn’t have to choose.
What is a privacy pool?
A privacy pool is a shared on-chain account that many users deposit into and withdraw from. Once funds enter the pool, they’re combined with everyone else’s. When funds are sent out to a destination address, there’s no public record connecting that withdrawal to the deposit that funded it.
The payment still arrives and the ledger still settles it. The public trail between your business and the recipient is gone.
In Avvio, shielding moves funds from your business balance into the pool. Sending privately delivers them from the pool to your recipient, without the public chain showing your business as the source.
How do private payments work in Avvio for Business?
Three steps, from the same account you already use.
- Shield your balance. Choose the amount to move from your business balance into the privacy pool. Shield as much or as little as you need, from $1 up.
- Send privately. Enter any wallet address on any major network, plus the amount. Funds are sent from the pool to the recipient.
- Settled. The recipient receives the full amount in minutes. On the public ledger, the payment comes from the pool address, not from your business.
| Bank wire | Standard stablecoin transfer | Avvio private payment | |
|---|---|---|---|
| Who can see the sender | You, the bank, the recipient | Anyone | Nobody. The public sees the pool, not you |
| Settlement | 1 to 5 business days | Minutes | Minutes |
| Destination | Bank accounts only | Any address | Any address, any major network |
| Custody | The bank | You | You |
| Cost | Wire fees plus FX markup | Network fees | 0.5% to shield, 0.25% to send |
What does it cost?
Two fees, both fixed percentages.
- Shielding: 0.5% of the amount moved into the privacy pool.
- Private send: 0.25% of the amount sent.
A $10,000 payment shielded and sent privately costs $50 to shield and $25 to send, $75 in total. Minimum transaction is $1. There are no other charges for private payments.
Is a private payment the same as an anonymous one?
No. Avvio for Business is a verified product. Every business completes identity and compliance checks before it can transact, and those checks apply to private payments in full. A private payment changes public visibility: the open ledger no longer connects your business to the transaction. Avvio’s compliance obligations, and yours, are unchanged.
Private payments don’t conceal funds from a regulator, tax authority, or court. They give your business the same standard of privacy it already expects from its bank. Your payroll, your supplier terms, and your cash position are not public information. On-chain payments made that the exception. Private payments make it the default again.
Shielded funds remain fully self-custodied. You hold the keys, transactions are signed on your device, and Avvio has no ability to move, freeze, or access them, in the pool or out of it.
Avvio is a financial technology company, not a bank. Accounts, custody, and payment rails are provided through licensed partners and protocols. Balances are not FDIC-insured. Availability and features vary by jurisdiction.
Where does this matter for a business?
Vendor and contractor payments. Your rates with suppliers and contractors are commercially sensitive. A public payment history lets competitors and other vendors see exactly what you pay.
Cross-border payroll. Compensation is confidential. A recurring on-chain pattern exposes headcount, pay levels, and timing to anyone who looks.
Negotiations. A counterparty who can see your balance knows your position before you’ve said a word. Shielding lets you negotiate on the terms, not on what’s visibly on hand.
Treasury. A large balance on a public address draws attention, from competitors and from bad actors. A shielded balance doesn’t.
Strategic transactions. Investments, acquisitions, and large one-off payments are often material information. You should control when and how that becomes known.
Financial privacy is the baseline in every other part of business finance. It should be the baseline here too.
How Avvio helps
Avvio for Business provides instant local payouts in 60+ currencies, cross-border payments that cost 50 to 80% less than traditional bank rails, and full self-custody of your funds. Private payments complete the picture: the same speed and control, with your balance and counterparties kept confidential. Open a business account.
Frequently asked questions
Can I send money anonymously with Avvio? No. Avvio for Business is a verified product, and identity checks apply to every account. Private payments remove your transactions from public view on the ledger. They do not remove Avvio’s compliance requirements. The recipient receives funds normally.
What does the recipient see? The amount, arriving from the privacy pool’s address rather than yours. Nothing on-chain connects the payment to your business account.
What’s the difference between a private payment and a shielded balance? Shielding moves funds from your public business account into the privacy pool, for a 0.5% fee. A private payment sends funds from the pool to a destination address, for a 0.25% fee. Shield first, then send.
Do I still hold my own keys when my balance is shielded? Yes. Shielded funds remain self-custodied and signed on your device, the same as the rest of your Avvio account. Avvio cannot move, freeze, or access them.
Which networks can I send to? Any wallet address on any major network. The recipient doesn’t need an Avvio account.
Are private payments legal? Financial privacy from the public is standard practice in business banking. Private payments in Avvio operate within the same compliance framework as the rest of the product. What’s hidden from public view remains subject to Avvio’s legal obligations. Availability depends on jurisdiction.
Your business, on your terms
Fast settlement and financial privacy were never supposed to be a trade-off. Open an Avvio for Business account.
