zkMe

zkMe is the privacy layer for open finance, founded in 2022 and headquartered in Kowloon, Hong Kong. The company builds zero-knowledge credential infrastructure that enables Web3 businesses to verify identities, corporate entities, and financial data without exposing sensitive personal information to any party—including zkMe itself.

Core Products/Services

zkMe offers a suite of privacy-preserving compliance and financial data verification products built on zero-knowledge proofs (ZKPs):

• zkKYC – The world's first Web3-native KYC solution compliant with FATF KYC and AML recommendations. Enables dApps, DeFi platforms, crypto wallets, and exchanges to verify user identities without storing or exposing PII. Features include liveness check, face match, identity document check, proof of address, and ongoing monitoring.
• zkKYB – End-to-end business verification infrastructure for Web3 platforms onboarding corporate clients. Supports AI-powered compliance verification, flexible KYB configuration, vLEI institutional identity, and comprehensive AML/CFT due diligence.
• KYT (Know Your Transaction) – Blockchain transaction monitoring service providing real-time AML risk scoring, multi-chain support, and customizable compliance frameworks for crypto exchanges, DeFi protocols, and financial institutions.
• zkCredit (Proof of Credit Score) – Uses ZKPs to bridge traditional credit scores onto blockchain, enabling undercollateralized DeFi lending and privacy-first creditworthiness verification.
• Proof of Account Ownership (PAO) – zkTLS-powered account verification that confirms ownership legitimacy and financial behavior patterns while keeping transaction histories and balances fully private.
• Proof of Accredited Investor (zkPoAI) – Privacy-first confirmation of accredited investor status and income eligibility for regulated DeFi pools and token offerings.
• Proof of Account Assets (PAA) – Builds a privacy-preserving bridge from bank accounts to on-chain financial proof.
• Proof of Account Transaction (PAT) – Detects suspicious patterns and verifies legitimate financial behavior while keeping transactions private.
• Know Your Agent (zkKYA) – Trust infrastructure for AI agents, providing decentralized identity registration, credential management, and dynamic reputation scoring based on the ERC-8004 standard.

Key Strengths

zkMe's core differentiator is its patent-pending, privacy-by-design architecture: user data is never shared with any third party—not even zkMe. All verification is performed via zero-knowledge proofs on the user's device. Credentials are stored in IPFS with threshold signature encryption, and smart contracts are used for on-chain verification. The platform is fully chain-agnostic, supporting 20+ blockchain ecosystems including Ethereum, Polygon, Solana, Arbitrum, Base, BNB Chain, zkSync, and more.

Notable Clients/Projects

zkMe has been integrated by Moca Network as a strategic protocol partner and has been recognized by Deloitte as a technology enabler for the semi-liquid funds market. The company won the CoinDesk PitchFest at Consensus 2026 Hong Kong.

Why Choose zkMe

zkMe is the only Web3 identity solution that is simultaneously FATF-compliant, fully decentralized, and private-by-design. Its reusable credentials allow users to verify once and access multiple partnered services. The platform offloads liability and data storage costs from businesses while ensuring regulatory compliance across global jurisdictions.