Take Control of Your Digital Payments

UmbraPayOS offers a seamless, private tap-to-pay experience for Web3. Offline ZK-NFC transactions, x402-backed finality, optimized fees. Private Tap-to-Pay Protocol for Web3 Payments. Accept, log, and verify x402 payments autonomously via UmbraPayOS.

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x402 Payments

Receiver online TTL 90s Anti-replay active

Name

UmbraPayOS

Ticker

$UMB

Chain

Solana

402 ➜ Payment Required ➜ wallet pays ➜ signed receipt ➜ x402 verifies ➜ feature unlocked

curl https://api.umbrapay.os/v1/resource -H "accept: application/json"
↳ returns HTTP 402 + pay_url · submit receipt to /verify for finality

UmbraPayOS

Reimagining the Act of Payment

UmbraPayOS isn’t just another payment protocol — it’s a redefinition of what payment means in the era of decentralization.

UmbraPayOS

The Power Behind UMB

At the heart of UmbraPayOS lies a stack of revolutionary technologies, working together seamlessly.

ZK-NFC Wallets x402 Layer AI Risk Filter On-chain Finality

ZK-NFC Wallets

The first of their kind. Use Zero-Knowledge Proofs to exchange ephemeral payment confirmations instead of revealing public addresses—keeping transactions private, unlinkable, and untraceable.

x402 Authentication Layer

Bridges offline transactions with on-chain finality. When devices reconnect, they securely synchronize and validate stored payments through zk-reconciliation.

AI Risk Filter

On-device intelligence detects anomalies, prevents double-spending, and boosts transactional trust—without sending data to any centralized server.

Offline-First OS Architecture

Engineered to operate independently of the internet—resilient in remote regions, disaster zones, and developing economies where connectivity is unreliable.

UmbraPayOS

ZK-NFC Wallets

Tap-to-Pay Without a Trace

At the heart of UmbraPayOS lies the ZK-NFC Wallet, a breakthrough in how devices communicate and transact. When two users—or a user and a merchant—bring their devices close, UmbraPayOS establishes a zero-knowledge handshake via NFC. ephemeral cryptographic proofs.

UmbraPayOS

x402 Payment Layer

Offline Transactions, Online Finality

One of UmbraPayOS’s greatest innovations is the x402 Authentication Layer — the protocol that bridges offline payments with on-chain settlement. Most blockchains demand constant connectivity; UmbraPayOS breaks this dependency with a deferred settlement model.

How x402 works (deferred)

Offline pay: the transaction is cryptographically signed and stored as a pending payment proof.
Each proof is bound to a unique x402 token representing its pending settlement state.
When either device reconnects, the x402 tokens submit to validator nodes for zk-reconciliation.

GET /resource → HTTP 402 Payment Required
POST /x402/submit { receipt, token }
→ verify zk-proof → finality on-chain

Offline Device

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x402 Reconciliation

On-chain Finality

Hover / tap the flow to send pending proofs.

UmbraPayOS

Frequently Asked Questions

Everything you need to know about UmbraPayOS, ZK-NFC, and the x402 layer.

UmbraPayOS is a private tap-to-pay OS for Web3. It lets phones and small terminals exchange zero-knowledge payment proofs offline, then settle on-chain later via the x402 layer.

Traditional flows expose addresses or broadcast a public transaction. ZK-NFC exchanges an ephemeral proof of legitimacy/balance—not the address—so payments remain private, unlinkable, and untraceable.

The proof is stored locally as a pending payment and bound to a unique x402 token. When either device reconnects, x402 performs zk-reconciliation and posts finality on-chain.

UmbraPayOS is designed to be chain-agnostic. Integrations prioritize modern, fast-finality networks. Support lists are modular and can be extended per deployment.

Offline, the proof includes a fee intent. On reconnection, x402 reconciles and submits the settlement with the appropriate network fee policy for the chosen chain.

Keys stay under the owner’s control (OS-level secure enclave where available). You can revoke a device and restore access via your seed/backup—pending proofs remain verifiable.

No PII is required for core payments. UmbraPayOS focuses on privacy-preserving proofs. Merchant -side compliance (if any) can be layered separately per jurisdiction.

Each proof includes anti-replay guards (nonce/TTL) + the on-device AI Risk Filter. On reconnect, x402 rejects conflicting proofs during zk-reconciliation.