Introduction

Payment infrastructure that attaches encrypted compliance records to onchain transactions.

Introduction

Complyr is a compliance infrastructure layer for onchain business payments.

When a company sends money from a blockchain wallet, the public record shows who was paid and how much. It says nothing about why. That gap — between raw transaction data and structured financial records — is the problem Complyr solves. Complyr solves the missing "why" in blockchain payments by attaching encrypted compliance metadata to every transaction.

Complyr attaches an encrypted, immutable compliance record to every payment. Each record captures the business context of a transaction: its regulatory jurisdiction, expense category, and entity identifiers. This metadata is protected by Fully Homomorphic Encryption (FHE). Fully Homomorphic Encryption allows encrypted values to be stored and potentially computed on without revealing the underlying data.

The result is a dual ledger architecture: a public payment ledger on Flow EVM and an encrypted compliance ledger on Zama fhEVM, permanently linked through a deterministic transaction reference.

Live demo: usecomplyr.vercel.app

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The Problem

The regulatory gap in onchain finance

Traditional finance has always required businesses to explain their spending, not just record it. Tax authorities need proof of business purpose. Auditors need traceable documentation. Regulators expect structured records that can be inspected on demand and retained for five to seven years in most jurisdictions.

Blockchain payments, as they currently work, produce none of this.

Consider a company that makes three payments in a single week:

• $2,000 to a contractor
• $500 for a SaaS subscription
• $1,000 for a marketing agency

Each transaction executes correctly on-chain. The amounts are correct. The recipients are correct. But the public record contains no indication that these are business expenses. Without structured documentation linking each payment to its purpose, those deductions may be disallowed by a tax authority. Unexplained outflows can be reclassified as personal income or, in more severe cases, flagged as evidence of financial misconduct.

The compliance liability compounds for businesses operating across jurisdictions. A payroll payment to a contractor in Nigeria, an invoice to a vendor in Germany, and a salary disbursement to an employee in California each carry different regulatory obligations — different withholding requirements, different reporting thresholds, different document retention rules. On-chain, these payments are indistinguishable.

Why existing solutions fall short

The conventional responses to this problem — off-chain accounting software, manual reconciliation, centralised compliance databases — require trusting a third party with sensitive financial data and maintaining a separate system that must be kept in sync with the blockchain. They introduce the very fragility and opacity that onchain finance is meant to eliminate.

Complyr takes a different approach: the compliance record travels with the payment, is stored on-chain, and is protected by mathematics rather than access controls.