Zero Knowledge Payy and Payy Card, the Undoxable Credit Card
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Oct 15, 2025 Sid Gandhi, Co-founder of Payy, and Calum Moore, its technical lead, dive into the future of private payments with the launch of the Payy Card. They discuss using a ZK Validium rollup architecture on Polygon, balancing privacy and compliance, and the intriguing tech behind client-side proofs. The duo reveals how the Payy Card achieves undoxable KYC, ensuring user privacy in transactions. They also explore challenges in self-sovereign finance and share insights on integrating with Visa, paving the way for a user-friendly, privacy-focused payment solution.
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Privacy As A Means To Usable Digital Cash
- Payy positions itself as "self-sovereign digital cash" focused on usability rather than speculation.
- The team argues privacy is necessary to scale true self-sovereign money.
Founders Met Through A YC Product User
- Calum met Sid in 2020 when Calum was at YC building a data analytics company and Sid was a user.
- Their early chats and mountain walks led to starting Payy together in 2022.
Why Zcash Was Not A Payments Foundation
- Zcash solved private store-of-value but failed as an everyday payments rail due to volatility, UX and compliance frictions.
- Payy chose a different trade-off set prioritizing stablecoins, privacy-by-default, and usability.