Prove income.
Reveal nothing.

How it works

1. 01User connects to Plaid via OAuth. Income data stays in the browser.
2. 02A Circom Groth16 ZK circuit runs locally and answers: "Is my 6-month average income above the threshold?"
3. 03The proof (no names, no exact figures, no employer) is sent to the backend for verification.
4. 04User pays a small USDC attestation fee via x402.
5. 05A Soulbound SPL Token-2022 is minted on Solana, valid for 30 days, non-transferable.
6. 06Lending protocols (Kamino, Save) read the token and unlock a higher LTV.

Raw income data never leaves the client.

Architecture

Browser  ├── OAuth (Plaid)                income data stays client-side  └── Circom Groth16 (snarkjs)     ZK proof generated locally Backend (Node.js + TypeScript, port 3001)  ├── /auth      OAuth callback, session token  ├── /income    Plaid income data (never forwarded to logs)  ├── /proof     snarkjs Groth16 proof verification  ├── /payment   x402 USDC attestation fee  └── /solana    Anchor program interaction, token minting Solana (devnet)  ├── Anchor Program   verify Groth16 proof (BN254), mint/expire/revoke attestation  └── SPL Token-2022   Soulbound (NonTransferable) attestation token

Income tiers

The circuit checks all 6 months have positive income and computes the floor average. The threshold is a private input. The verifier only sees the resulting tier.

Tech stack

Project structure

seel/├── circuits/│   └── income_proof_circom/   Circom circuit + trusted setup artifacts├── programs/seel/             Anchor program (Rust)├── backend/                   Node.js API├── frontend/                  Next.js app└── sdk/                       Integration SDK for lending protocols

Getting started

Prerequisites

• Node.js 18+
• Rust + Anchor CLI 0.30
• Solana CLI (devnet)
• circom + snarkJS (for circuit setup)

Backend

cd backendcp .env.example .env   # fill in your credentialsnpm installnpm run dev

Frontend

cd frontendnpm installnpm run dev

Anchor program

anchor build                              # production buildanchor build --features verify-skip       # local testing only, never deployanchor deploy --provider.cluster devnet

Never build for production with --features verify-skip.

Circom circuit

cd circuits/income_proof_circomnpm run setup   # compile, trusted setup, export verification key# artifacts land in frontend/public/circuits/ automatically

Environment variables

Copy backend/.env.example to backend/.env and fill in:

Deployed addresses (devnet)

Privacy guarantees

• Income figures are private circuit inputs. They never leave the browser.
• The server receives a proof and public outputs only (tier: 1 or 2).
• API responses containing income data are never logged on the server.
• The on-chain token stores only tier, timestamps, and a proof hash.