mumtaZ
Use ZEC privately across chains and stay protected
Created on 4th December 2025
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mumtaZ
Use ZEC privately across chains and stay protected
The problem mumtaZ solves
Zcash has one of the strongest privacy models in crypto, but its privacy is locked inside its own chain.
This creates two major issues:
Usability
- ZEC can’t be used as collateral, can’t earn yield, and can’t interact with protocols while staying private.
Accessibility
- Users and developers outside the Zcash ecosystem have no practical way to access ZEC’s privacy features.
- Even if they want shielding, it’s not available on the chains where most activity happens.
Our Vision
We want to make Zcash’s privacy accessible across the multichain world without compromising confidentiality.
ZEC should be usable on Ethereum, Solana, and other ecosystems while remaining fully shielded.
We achieve this by combining zero-knowledge proofs with fully homomorphic encryption (FHE) to create a trustless, privacy-preserving transfer tool.
How It Works
Zcash side
Users burn shielded ZEC to a designated address.
Our watcher detects the burn but cannot see the sender or amount.
The destination address is optionally placed in the encrypted memo field.
Zero-knowledge proof
We generate a ZK proof that confirms:
- A valid burn happened
- It went to the correct burn address
- Amount and recipient match the commitments
All proven without revealing any values.
Destination chain
We mint FHZEC, a confidential wrapped token.
Balances remain encrypted through FHE, allowing transfers and DeFi usage while amounts stay hidden.
The Result
- Zcash privacy extends beyond Zcash
- Balances remain confidential on transparent chains
- DeFi becomes possible without sacrificing privacy
- Smart contracts can operate on encrypted values
This isn’t just a tool, it’s privacy infrastructure bringing Zcash’s shielding model to the multichain ecosystem.
How We Can Use mumtaZ’s Solution in the Future
mumtaZ opens the door to using shielded ZEC across multiple ecosystems without revealing any data.
Here are some of the ways mumtaZ’s solution can be used going forward:
- Use shielded ZEC as collateral, earn yield, borrow, or lend. All privately and across chains.
- Interact with protocols on Ethereum or Solana while keeping inputs, outputs, and states encrypted.
- Send encrypted value between networks without exposing amounts or addresses.
- Run automated strategies (e.g., rebalancing, yield optimization) without exposing portfolios.
here is the claim contract: https://sepolia.etherscan.io/address/0x9815aD7b9E6076ddA6D84A34864fF0c0F8E06744
here is the FHZEC contract: https://sepolia.etherscan.io/address/0xe97BcaFd6b75c1EF765912451d65a5c5f23A5Eb2
Challenges I ran into
Building a privacy-preserving cross-chain bridge presented several unique technical challenges. The biggest hurdle was designing a ZK circuit that could parse and verify Zcash transaction data, Zcash's shielded transaction format is complex and we needed to prove burn validity without revealing any private information. I was expecting integrating CoFHE (Fully Homomorphic Encryption) on the Ethereum side was going to be a significant challenge; however it was fairly easy and well-documented even though FHE is still an emerging technology, but we still had to carefully structure our smart contracts to work with encrypted values while maintaining compatibility and keeping the privacy from start to finish.
We also faced difficulties with the Zcash light client integration – decrypting shielded transactions and extracting memo data required deep diving into zcash_client_backend crate internals, and unfortunately documentation on Zcash was not sufficient to build so I had to experiment some code to get a better grasp.
On the frontend, bundling snarkjs and cofhejs together with Next.js proved tricky due to WASM loading conflicts and SSR compatibility issues. Finally, coordinating state across three different systems – the Zcash watcher, the backend API, and the Ethereum contracts – required careful orchestration to ensure transactions couldn't be double-spent while still providing a smooth user experience.
Tracks Applied (6)
General Bounty
Network School
Cross-Chain Privacy Solutions
Axelar Network
Cross-Chain Privacy Solutions
Osmosis
Private DeFi & Trading
Fhenix
Creative Privacy Applications
Fhenix
General Bounty
Project Tachyon
Technologies used
