> For the complete documentation index, see [llms.txt](https://docs.sectoral.xyz/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.sectoral.xyz/getting-started/readme.md).

# Welcome to Sectoral

![Sectoral: private banking for people and the agents they run](https://sectoral.xyz/images/og.jpg)

## Welcome to Sectoral

**Private money for people, and for the software acting on their behalf. You keep custody, Robinhood Chain does the settling, and the amounts are known only to the two sides of each payment.**

***

Today, money mostly travels in one of two ways, and both come with a catch. Banks hide your ledger from the public while exposing it fully to themselves, their processors, and anyone they choose to sell your spending patterns to. Public blockchains flip that arrangement: everything can be audited, nothing is discreet, and anyone with an RPC endpoint can read your payroll.

Sectoral declines to pick a side. Each payment settles on Robinhood Chain, so the network can verify it took place, yet the numbers stay encrypted from end to end. You can see who the parties are. You cannot see the sums. The key that reveals your own figures stays on the device you are holding.

One account serves the freelancer receiving USDG mid-afternoon on a Tuesday just as well as the research agent spending eleven cents on an inference call at 4am. Here, software gets a genuine wallet, constrained by limits its owner sets, and its activity shows up in the same feed as everything else.

***

### How it compares

|                            | Sectoral                                     | Typical crypto wallet                        | High-street bank                            |
| -------------------------- | -------------------------------------------- | -------------------------------------------- | ------------------------------------------- |
| Who can see amounts        | Encrypted on-chain                           | Anyone, forever, in plaintext                | Hidden from the public, visible to the bank |
| Key custody                | Yours, on your own device                    | Yours                                        | The bank's                                  |
| Settlement speed           | Below one second                             | Below one second                             | Several days                                |
| Software as account holder | First-class wallets with enforced limits     | An API attached to a person's account        | Not supported                               |
| Sharing details            | Proofs you create, one transaction at a time | Nothing to share, since everything is public | The bank's call                             |
| Onboarding                 | A passkey plus identity verification         | A twelve-word phrase written down            | Fill in a form and wait                     |

***

### What it runs on

Sectoral ships its own confidential token contracts on Robinhood Chain, the AI-native Ethereum Layer 2 run by Robinhood. Balances inside those contracts are stored as ciphertext, and every transfer must come with a zero-knowledge proof, while the addresses taking part remain publicly visible. Pair that with 100ms blocks and rollup-level costs and you get something no earlier chain fully delivered: payments that are private, instant, self-custodied, and cheap enough for everyday use.

Accounts are denominated in USDG, the Global Dollar from Paxos, issued natively on the chain, and bridged USDC is accepted too. A small ETH reserve is refilled automatically behind the scenes to cover gas, and after that you never need to think about gas again.

***

### Where to go next

**Want to see a transfer step by step?** → [How a Transfer Works](/getting-started/anatomy-of-a-transfer.md)

**Managing your own funds?** → [Creating Your Account](/using-sectoral/opening-an-account.md)

**Giving an autonomous system a budget?** → [Wallets for Agents](/ai-agents/agent-wallets.md)

**Integrating Sectoral into your product?** → [API: Auth & Keys](/developer-api/auth-and-keys.md)

**After the full cryptographic detail?** → [How Amounts Stay Encrypted](/privacy-and-cryptography/encrypted-amounts.md)


---

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