Polaris

Buy Now, Pay Later, privately. Polaris is a shopping app and BNPL protocol where credit and collateral computations run on encrypted data on-chain via Fully Homomorphic Encryption (Fhenix / Zama).

What that unlocks

• Encrypted merchant flow — a merchant can verify a payment without ever seeing the shopper's wallet balance.
• Private checkout — a "Pay with Polaris" button settles across chains while your financial data stays encrypted end-to-end.
• On-chain BNPL — collateral requirements are computed over ciphertext, so eligibility never leaks.

Traditional chains expose every amount and participant; Polaris keeps commerce private, where business and shopper confidentiality is non-negotiable.