BLAQclouds, Inc. (OTC: BCDS), a Web3 infrastructure and fintech innovation company, today announced that ApolloCASH will transition from testing to full retail launch on December 20, 2025. ApolloCASH is a zero-knowledge, single-use liquidity settlement protocol designed to enable secure, always-on cross-border remittances—24 hours a day, 7 days a week, 365 days a year. Built for speed, security, and efficiency, ApolloCASH provides a modern way to send money—whether across town or across the globe – recognizing the critical importance of fast, secure, and dependable access to funds—anytime, anywhere.
“ApolloCASH is built to modernize cross-border settlement with a security-first approach,” said Shannon Hill, CEO of BLAQclouds. “Zero-knowledge proof-based onboarding and offboarding enables strong verification while preserving privacy, and integrating payment rails like PayPal, Venmo, Zelle, Cash App, Revolut, Wise, Alipay, Remitly, and UPI makes global transfers accessible to everyone—without compromising performance. The result is a faster, more efficient, and more secure way to move value across borders, 24/7/365.”
Abstract
ApolloCASH is a zero-knowledge, single-use liquidity settlement protocol designed to enable real-world crypto spendability using familiar fiat payment rails. By combining zk-based payment verification, single-transaction liquidity pools (LPs), and atomic settlement logic, ApolloCASH removes traditional liquidity fragmentation, counterparty risk, and custodial exposure. The protocol enables instant, trust-minimized value transfer while preserving privacy, compliance, and developer extensibility.
ApolloCASH is developed as a core financial primitive within the BLAQclouds ecosystem and is designed to power peer-to-peer payments, merchant invoicing, platform payouts, and cross-border settlements.
1. Problem Statement
Traditional crypto payments suffer from several structural limitations:
• Shared liquidity pools introduce slippage and execution risk • Custodial intermediaries delay settlement and increase counterparty exposure • On-chain payments lack seamless integration with fiat rails • Privacy and compliance are often treated as opposing forces • Merchants and users face high friction when converting crypto to real-world utility
ApolloCASH addresses these issues by eliminating shared pools, using transaction-scoped liquidity, and cryptographically verifying fiat payments without exposing sensitive user data.
2. Core Design Principles
ApolloCASH is built on five foundational principles:
- Single-Use Liquidity – Every transaction creates its own isolated liquidity pool
- Atomic Settlement – Proof, minting, LP creation, and transfer occur in one flow
- Privacy by Design – Powered by ApolloID, zkTLS and zkEmail validate payments without revealing data
- Non-Custodial Architecture – Funds are never held by intermediaries
- Developer-First Modularity – Components can be reused across products
3. System Architecture Overview
ApolloCASH operates as a layered protocol:
3(a) Off-Chain Layer
• Fiat payment initiation (PayPal, Venmo, CashApp, Zelle, Wise, Revolut) • zkEmail / zkTLS payment proof generation • Proof submission to verification engine
3(b)Verification Layer
• ApolloID • Cryptographic validation of fiat payment • Amount, sender, timestamp, and uniqueness verification • Replay-attack prevention
3(c) On-Chain Settlement Layer
• APUSD minting • Single-use LP creation • Fee routing • LP ownership transfer • Redemption and burn
4. Transaction Model (Gross Amount Flow)
Scenario Overview
- User A (Sender) wants to send $100 to User B (Receiver)
- Platform fee: $5
- Total gross transaction: $105
Step-by-Step Transaction Flow
4(a). Gross Amount Calculation
- Net amount to receiver: $100
- Platform fee: $5
- Total charged to User A: $105
This is a gross transaction model—the sender always pays the full amount upfront.
4(b). Fiat Payment Initiation
- User A initiates a $105 fiat payment using a supported payment rail (e.g., PayPal).
- The payment is processed and verified via zkEmail / zkTLS proof.
4(c). Single-Use LP Creation (APUSD)
- Upon successful payment verification:
- The protocol mints 105 APUSD
- A single-use liquidity pool (LP) is created specifically for this transaction.
- The LP is non-reusable and transaction-scoped.
4(d). Fee Separation
- $5 APUSD is immediately routed to the developer / protocol fee wallet.
- $100 APUSD remains locked inside the single-use LP for the receiver.
4(e). Delivery to Receiver
- User A sends User B:
- The LP contract address
- A unique redemption code (or cryptographic proof / signature)
This data represents the right to redeem the LP.
4(f). Redemption by Receiver
- User B submits:
- The LP contract address
- The unique redemption code
- Upon validation:
- The LP releases $100 APUSD to User B’s wallet
- The LP is burned or permanently closed
Key Design Characteristics
- Single-use LP per transaction
- No shared liquidity pools
- Atomic settlement
- Gross-amount clarity (fees paid upfront)
- Sender does not custody receiver funds
- LP self-destructs after redemption
Developer Notes
- Fee routing should occur before LP handoff
- Redemption codes should be:
- One-time use
- Time-bound (optional)
- Cryptographically signed
- LP contracts should be:
- Non-upgradeable
- Non-transferable
- Locked to a single redeemer
5. Single-Use Liquidity Pools
Each LP: • Exists for one transaction only • Cannot be reused or refilled • Has a single authorized redeemer • Self-destructs after redemption
Benefits: • No liquidity fragmentation • No slippage • No LP provider dependency • No MEV exposure
6. Fee Model
ApolloCASH uses an explicit gross-amount fee model:
• Fees are paid upfront by sender • Fees are separated at LP creation • Protocol, developer, or partner wallets receive fees automatically
Fee logic is programmable and supports: • Flat fees • Percentage fees • Tiered or NFT-based discounts
7. Privacy & Compliance
ApolloCASH uses zero-knowledge proofs to balance privacy and regulatory needs:
• No storage of raw payment data • No exposure of sender banking credentials • Verifiable audit trail without personal data
Optional integrations: • Facial recognition (Incognito KYC) • Wallet-level identity verification • Jurisdictional rule enforcement
8. Use Cases
• P2P payments • Merchant invoicing • Payroll and contractor payouts • Cross-border remittances • Marketplace escrow • NFT-gated payments • Subscription billing
9. Platform Integrations
ApolloCASH is not only designed to be a stand alone application but to also integrate across:
• Apollo Wallet • ZEUSxPay V3 • ShopWithCrypto • WIX • WordPress • Shopify • Custom web applications
Future platform support includes: • Amazon • eBay • Etsy
10. Security
• Replay-proof verification • Time-bound redemption codes • Non-upgradeable LP contracts • Deterministic contract generation • Rate-limiting and abuse detection – CLEAR Biometric Approvals
11. Developer Extensibility
ApolloCASH exposes modular components:
• Proof verification modules • LP factory contracts • Fee routers • Redemption logic
Developers can build: • Custom front-ends • Vertical-specific payment flows • White-label implementations
12. Roadmap
Phase 1 – Core protocol, APUSD, single-use LPs
Phase 2 – ZEUSxPay V3 integration, invoicing, P2P
Phase 3 – Marketplace integrations, NFT gating
Phase 4 – Enterprise settlement, cross-chain expansion
Conclusion
ApolloCASH introduces a new financial primitive that bridges fiat and crypto without compromising privacy, security, or usability. By replacing shared liquidity with transaction-scoped LPs and verifying fiat payments cryptographically, ApolloCASH enables real-world spendability at internet scale.
The protocol is designed not as a single product, but as an extensible settlement layer powering the next generation of compliant, non-custodial digital commerce.
