Sollpay

SollPay is a non-custodial mobile wallet built on Solana that uses zero-knowledge proofs and account abstraction to eliminate seed phrases, letting users transact with just a phone number or email address.

The Problem SollPay Solves

Seed phrases remain one of the biggest barriers to mainstream crypto adoption. Losing a 24-word mnemonic means losing access to funds permanently, and the mental overhead of managing one deters most newcomers. SollPay replaces the seed phrase entirely, substituting familiar credentials — a phone number or email — while maintaining full self-custody of assets. The wallet is designed to make onboarding feel as frictionless as signing up for a social app, while preserving the security guarantees of a non-custodial wallet.

Core Mechanism: Account Abstraction with Zero-Knowledge Proofs

SollPay's architecture rests on two interlocking technologies: Solana account abstraction via custom on-chain programs, and a zero-knowledge proof system that authenticates users without exposing personal data on-chain.

When a user signs up, the mobile app generates a public/private key pair inside the device's secure enclave (Secure Enclave on iOS, TPM on Android), where the private key never leaves hardware. Google Firebase OAuth handles initial authentication, issuing a JWT token containing the user's phone number or email. That phone number is then hashed using Poseidon — a ZK-friendly hashing algorithm — to produce a unique, privacy-preserving user identifier.

This identifier is passed to a ZK Proving Server running inside a Trusted Execution Environment (TEE). The TEE generates a zero-knowledge proof validating that the user owns the identity without revealing the underlying phone number or email to any external party. Once the proof is verified on-chain, SollPay's Wallet Factory Program deploys a smart contract wallet tied to that hashed identifier.

Three on-chain programs underpin the system:

• Wallet Factory Program — creates user wallet accounts following ZK verification
• Wallet Program — processes transactions and handles interactions with DeFi protocols
• Administration Program — maintains a mapping from hashed userId to wallet address, enabling contact-based transfers

Transaction security uses ECDSA with the secp256r1 (P-256) curve and SHA-256 hashing. On-chain nonces prevent replay attacks. Wallet creation fees are covered via Octane, a gasless relayer, so new users never need SOL upfront to activate their wallet.

Key Features

Phone and email transfers. Users can send SOL and SPL tokens to any phone number or email address. If the recipient does not yet have a SollPay wallet, the Wallet Factory Program creates one on-demand and holds the funds until they onboard — similar to how Venmo or Cash App handle payments to non-users.

No seed phrase, full self-custody. Private keys live exclusively in device-level secure hardware. SollPay cannot access user funds, and there is no centralized custodian. Recovery on a new device follows a ZK re-authentication flow rather than a mnemonic backup.

Biometric authentication. Face ID and equivalent biometrics authenticate the user at the app layer, while the ZK layer authenticates identity on-chain. The two layers operate independently, providing defense in depth.

Staking and yield. Users can stake SOL directly within the wallet to earn yield, broadening SollPay's use case beyond simple transfers.

Instant crypto purchases. The wallet supports around-the-clock on-ramp purchases, allowing users to buy cryptocurrency directly inside the app.

Cross-platform availability. SollPay is available on the Solana Mobile dApp Store, iOS App Store, Google Play, and as a standalone Android APK, giving it broad distribution across the Solana mobile ecosystem.

AI advisory (forthcoming). The team has indicated an AI-powered advisory feature is in development, though no release timeline has been announced.

Tokens and Assets

SollPay does not issue a native protocol token. The wallet operates with SOL as the primary asset and supports the broader SPL token ecosystem. No governance token, fee token, or staking derivative is described in current documentation.

Security Architecture

SollPay layers hardware, cryptography, and ZK proofs to secure user funds and identity:

• Secure enclave storage — private keys generated and stored in device hardware (iOS Secure Enclave or Android TPM), never transmitted or stored server-side
• TEE-based ZK proving — the ZK Proving Server runs inside a Trusted Execution Environment, isolating proof generation from server-side compromise
• Poseidon hashing — a ZK-friendly hash function used for userId derivation, compatible with efficient on-chain verification
• Replay attack prevention — incrementing on-chain nonces tied to each wallet
• P-256 curve signatures — ECDSA with secp256r1 for transaction authorization

No independent security audits are publicly referenced in current documentation or on the project website. Given the novel ZK proof architecture and TEE infrastructure, a formal audit of the three on-chain programs would be the natural next disclosure to look for before committing significant funds.

Team and Backing

SollPay is operated by SollPay, Inc. The project is backed by Binance France and HEC (Ecole des Hautes Etudes Commerciales de Paris), a prominent French business school with an established startup and venture ecosystem. Core team identities are not publicly disclosed on the website or documentation at this time.

SollPay was founded in February 2025, placing it among a wave of account-abstraction wallets that emerged as ZK-based and passkey-based authentication gained traction across both EVM and Solana ecosystems.

Solana Ecosystem Fit

SollPay targets the mass-market onboarding layer that Solana's high throughput and low fees make possible. By removing seed phrases and enabling contact-based payments via phone or email, it pushes Solana wallet UX closer to fintech apps than crypto-native tools — a meaningful step toward mainstream adoption.

The wallet's use of Octane for gasless onboarding aligns with established Solana infrastructure patterns, and its Solana Mobile dApp Store listing positions it within the hardware-native mobile Solana ecosystem.

SollPay's design is Solana-native in architecture: it implements account abstraction via custom Solana programs rather than porting Ethereum's EIP-4337 paymaster model to the SVM. ZK-proof-backed account abstraction at this level of implementation remains uncommon on Solana, making SollPay one of the earlier production examples of the pattern on the network.