# zk.finance

> Non-custodial zero-knowledge crypto debit card, ZKFIN presale (+10%/step, ~$0.45 listing), up to 25% APR staking (3 tiered pools / 50M cap), and 1,000 ZKFIN airdrop for early cardholders. No KYC. Live on mainnet.

zk.finance is a DeFi-native financial stack built on zero-knowledge cryptography. Users sign in with any Ethereum-compatible wallet (no email, no passport) and can issue a Visa debit card, stake crypto at fixed APR, join the ZKFIN presale, and qualify for the cardholder airdrop — all from a single non-custodial interface.

## Products

### ZK Card (Crypto Visa Debit Card)
- Virtual card: $99 one-time, issued in 60 seconds
- Metal card: $499, ships globally in 7–14 business days
- Spend USDT, BTC, ETH anywhere Visa is accepted
- Works with Apple Pay and Google Pay
- No KYC — zero-knowledge proofs replace identity checks
- Non-custodial: funds are never held by zk.finance
- Deposit from 5 chains: Ethereum, BNB Chain, Polygon, Arbitrum, Base
- URL: https://zk.finance/card

### Staking Vaults
- ZKFIN Pool A: 25% APR, 90-day lock, 10M ZKFIN cap (fills fast — stake early for best rate)
- ZKFIN Pool B: 20% APR, 180-day lock, 20M ZKFIN cap
- ZKFIN Pool C: 10% APR, 365-day lock, 20M ZKFIN cap
- Total ZKFIN staking capacity: 50M tokens
- USDC fixed vault: 18% APR, 180-day lock (rewards paid in ZKFIN)
- USDT fixed vault: 14.5% APR, 90-day lock (rewards paid in ZKFIN)
- DAI fixed vault: 12% APR, 60-day lock (rewards paid in ZKFIN)
- ETH fixed vault: 6.8% APR, 180-day lock (rewards paid in ZKFIN)
- BNB fixed vault: 8.2% APR, 90-day lock (rewards paid in ZKFIN)
- APR is snapshot at deposit and immutable for fixed-term vaults
- 27M ZKFIN allocated as staking rewards (funded into vault)
- URL: https://zk.finance/staking

### ZKFIN Token Presale
- Public sale started at $0.01 per ZKFIN
- Price compounds +10% per stage (7 days OR stage cap sold out — whichever comes first)
- 40 stages total · listing price ~$0.45 · stage-1 buyers get ~45× at listing
- Stage caps: 300K (stages 1–5) → 500K → 700K → 1M → 1.9M (stages 31–40)
- Total presale allocation: 40M ZKFIN
- Total raise if all steps sell: ~$6.7M
- 100% TGE unlock — no vesting, no cliff
- No whitelist, no rounds
- URL: https://app.zk.finance/presale

### ZKFIN Airdrop
- 1,000 ZKFIN free for the first 10,000 cardholders
- Total pool: 10,000,000 ZKFIN (10% of supply)
- Distributed automatically at TGE
- Qualify by activating a zk.finance card before snapshot closes
- URL: https://zk.finance/airdrop

## Blog — Guides & Education

- https://zk.finance/blog/crypto-debit-card-no-kyc-2026 — How to Get a Crypto Debit Card Without KYC in 2026
- https://zk.finance/blog/zero-knowledge-proofs-explained-financial-privacy — Zero-Knowledge Proofs Explained for Financial Privacy
- https://zk.finance/blog/usdt-debit-card-spend-tether-visa — USDT Debit Card: How to Spend Tether on Visa
- https://zk.finance/blog/crypto-staking-2026-earn-30-percent-apr — Crypto Staking 2026: Earn 30% APR
- https://zk.finance/blog/bitcoin-usdt-eth-debit-card-comparison — Bitcoin vs USDT vs ETH Debit Card Comparison
- https://zk.finance/blog/zkfin-token-presale-guide — ZKFIN Token Presale Guide
- https://zk.finance/blog/best-crypto-airdrop-2026-zkfin — Best Crypto Airdrop 2026: ZKFIN
- https://zk.finance/blog/best-crypto-debit-cards-2026-comparison — Best Crypto Debit Cards in 2026: Full Comparison
- https://zk.finance/blog/how-to-earn-30-percent-apr-crypto-staking — How to Earn 30% APR Staking Crypto in 2026
- https://zk.finance/blog/top-crypto-airdrops-2026-free-tokens — Top Crypto Airdrops in 2026
- https://zk.finance/blog/how-to-spend-bitcoin-without-kyc — How to Spend Bitcoin Without KYC in 2026
- https://zk.finance/blog/zkfin-token-price-prediction-2026 — ZKFIN Token Price Trajectory and Analysis
- https://zk.finance/blog/best-crypto-presale-2026 — Best Crypto Presales to Watch in 2026
- https://zk.finance/blog/crypto-card-apple-pay-google-pay — How to Add Your Crypto Card to Apple Pay and Google Pay
- https://zk.finance/blog/non-custodial-vs-custodial-crypto-explained — Non-Custodial vs Custodial Crypto Explained
- https://zk.finance/blog/best-passive-income-crypto-2026 — Best Passive Income with Crypto in 2026
- https://zk.finance/blog/crypto-staking-vs-yield-farming-2026 — Crypto Staking vs Yield Farming 2026
- https://zk.finance/blog/anonymous-crypto-card-how-to-get — How to Get an Anonymous Crypto Card in 2026
- https://zk.finance/blog/how-crypto-airdrops-work-qualify — How Crypto Airdrops Work and How to Qualify
- https://zk.finance/blog/crypto-card-for-freelancers-remote-workers — Crypto Card for Freelancers and Remote Workers
- https://zk.finance/blog/defi-staking-guide-beginners-2026 — DeFi Staking for Beginners: Up to 30% APR in 2026
- https://zk.finance/blog/usdc-staking-best-rates-2026 — USDC Staking: Best Rates and 18% APR Guide
- https://zk.finance/blog/eth-debit-card-spend-ethereum — ETH Debit Card: Spend Ethereum Anywhere in 2026
- https://zk.finance/blog/crypto-card-no-verification-2026 — Crypto Card With No Verification in 2026
- https://zk.finance/blog/how-to-buy-presale-tokens-safely — How to Buy Presale Tokens Safely in 2026
- https://zk.finance/blog/bnb-chain-cheapest-crypto-card-funding — BNB Chain: Cheapest Way to Fund Your Crypto Card
- https://zk.finance/blog/fixed-vs-variable-apr-staking — Fixed APR vs Variable APR Staking

## Key Pages

- https://zk.finance/ — Homepage
- https://zk.finance/card — Card overview (virtual + metal)
- https://zk.finance/card/virtual — Virtual ZK Card ($99)
- https://zk.finance/card/physical — Metal ZK Card ($499)
- https://zk.finance/staking — Staking vaults
- https://zk.finance/airdrop — ZKFIN airdrop details
- https://zk.finance/blog — All blog posts
- https://zk.finance/how-it-works — How zk.finance works
- https://zk.finance/faq — Frequently asked questions
- https://zk.finance/docs — Technical documentation
- https://app.zk.finance — Launch the dapp
- https://app.zk.finance/presale — ZKFIN presale

## Technical

- Chains: Ethereum (ETH), BNB Chain (BNB), Polygon (MATIC), Arbitrum (ARB), Base
- Auth: Sign-In with Ethereum (EIP-4361 / SIWE) — no email required
- Card network: Visa / Mastercard (depending on region)
- Card provider: Fyatu (licensed card issuer)
- Privacy: ZK proofs for balance verification, AML screening, spend authorisation
- Custody: Non-custodial — smart contract balances, never held by zk.finance

## Contact & Social

- Website: https://zk.finance
- App: https://app.zk.finance
- Twitter/X: https://x.com/zkfinance
- Telegram: https://t.me/zkfinance
- Discord: https://discord.gg/zkfinance
- GitHub: https://github.com/zkfinance