Overview
Learn how YieldFabric's intelligent accounts and zero-knowledge privacy work
Base URLs
https://auth.yieldfabric.comhttps://pay.yieldfabric.comhttps://pay.yieldfabric.com/graphqlIntelligent Accounts with Zero-Knowledge Privacy
YieldFabric provides intelligent accounts that enable programmed financial actions with confidential transactions protected by zero-knowledge proof technology. Users deposit tokens into these accounts to operate with privacy and programmability.
Account Types
Personal Accounts
Owned by individual users for their own operations
Group Accounts
Shared accounts managed by multiple authorized users
Group Account Features
Group accounts provide all the same capabilities as personal accounts:
- Hold balances and manage funds
- Create and execute programmed payments
- Build and trade payment obligations
- Execute atomic swaps
- Operate with zero-knowledge privacy
Key Difference: Governance and Access Control
- Administrators can add policies and grant access to specific users
- Authorized users act on behalf of the group (not themselves)
- Permissions and policies control what operations each user can perform
- Audit trail maintained through delegation tokens and session tracking
How Delegation Works
- 1
User authenticates with their personal credentials
- 2
User requests a delegation JWT for a specific group
- 3
Delegation JWT includes:
- User's identity (for audit trail)
- Group's account address (for operations)
- Delegation scope (permitted operations)
- Delegation token ID (for tracking/revocation)
- 4
User performs operations using the group's account instead of their own
- 5
All actions are logged with both user and group identifiers
This enables collaborative financial operations while maintaining security, accountability, and fine-grained access control.
Basic Payment Flow
Deposit
Users deposit tokens into their intelligent account to enable programmed actions
Transfer
Funds are locked until the counterpart accepts or the sender cancels
Accept
The counterpart accepts the incoming payment, claiming the funds
Withdraw
Users can withdraw funds back to external addresses
Payment Obligations
Users can create sophisticated payment obligations representing various financial instruments:
Invoices
Payment due on a specific date
Loans
Structured repayment schedules
Annuities
Recurring payment streams
Custom Commitments
Any future payment commitment
Funding Models
Fully Funded (Escrow)
Funds locked upfront, guaranteeing payment
Unfunded (Credit)
Payment obligation without immediate funding
Programmable Features
- Timelocks:Payments unlock at specific dates
- Oracle Triggers:External event-based unlocking (e.g., "goods delivered")
- Conditional Release:Payment execution based on oracle verification
Atomic Swaps for Structured Trades
Participants can execute bilateral trades of composed payment obligations:
Atomic Settlement
Both parties exchange simultaneously or transaction fails
Programmable Triggers
Swap execution based on conditions
Sophisticated Structures
Combine multiple obligations into complex financial instruments
Risk-Free Construction
Build obligation structures independently, then swap atomically
Example Use Case:
An issuer creates annuity obligations (self-referential, no counterparty risk), then atomically swaps them for upfront payment - enabling secure securitization and discounted cash flow transactions.