BLAQclouds, Inc., 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
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