Panel Discussion on On-chain Payments at Scroll_ZKP Event

**Your wallet is an open book.** Every transaction, balance, and yes - that 2021 NFT purchase - remains visible to everyone. **Inco Network** tackles this transparency problem using **TEE/FHE technology** for private payments and governance. Key privacy solutions: - **Private balances** and AMM transactions - **Confidential governance** voting - **Encrypted data types** for developers - **Wrapper contracts** for USD tokens **Privacy vs. compliance** remains crucial - the approach focuses on confidentiality rather than anonymity, meeting regulatory needs. The **Confidential Token Association** works on standards while adoption grows from payments to DeFi primitives. **Main challenges:** UX trade-offs and developer adoption barriers. Blockchain transparency was a feature, but for traders, businesses, and users wanting financial privacy, it's become a significant limitation.

**Scroll announced USX**, the first ZK-powered "neodollar" - positioning it as more than just another stablecoin. **Key Features:** - ZK proofs for security and verification - Cloak technology for privacy - Gasless transactions - Spendable through payment partners - **~12% yield** through tradfi and defi strategies **What makes it different:** USX aims to function like physical cash but with added benefits - usable, private, and productive. The combination of features is currently only possible on Scroll's network. **Timeline:** - Pre-deposits launching soon - Full integrations rolling out Q4-Q1 - [Waitlist available](https://scroll.link/usx) Scroll positions USX as "a better dollar" that users can actually use, keep private, and earn rewards from.

**Vibe Code Camp V2** is now accepting applications for builders ready to transform wild ideas into reality. The program welcomes **unconventional projects** - even quirky concepts like Japanese toilet trackers are encouraged. Key details: - Open to web3 builders with creative visions - Focus on rapid development from concept to launch - Emphasizes creative freedom and cost efficiency - Applications have a **limited window** This follows the success of Vibe Coding, which has proven to accelerate project development while reducing costs in the web3 space. [Apply now](https://openeconomy.xyz/vibecodecamp) before the deadline closes.

Scroll has launched a comprehensive Delegate Accelerator program to train the next generation of effective DAO delegates. The 7-week curriculum includes: - Interactive workshops - One-on-one mentorship with veteran delegates - Practical experience through mock voting - Skill-building through gamified challenges **Key Details:** - Application deadline: June 23rd - Program focus: DAO governance and delegation - Goal: Building the Open Economy [Apply for the program here](https://app.deform.cc/form/5e670c2f-179c-4041-a37c-037216e5b8c2/?page_number=0)

Tempest Finance has launched AI-powered vaults on Ambient Finance, offering users simplified liquidity management through one-click optimization. The vaults are now natively deployed on the Scroll network. Key features: - Single-click liquidity management - AI-powered optimization - Native integration with Ambient's web frontend - Full deployment on Scroll network The integration streamlines DeFi operations for users seeking efficient portfolio management without complex manual adjustments.