[{"data":1,"prerenderedAt":273},["ShallowReactive",2],{"blog-understanding-zero-access-finance":3},{"_path":4,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":8,"description":9,"date":10,"author":11,"category":12,"readingTime":13,"body":14,"_type":267,"_id":268,"_source":269,"_file":270,"_stem":271,"_extension":272},"\u002Fblog\u002Funderstanding-zero-access-finance","blog",false,"","Understanding Zero-Access Finance","What zero-access architecture means for your data, your keys, and your peace of mind.","2026-06-10","Kura Team","Security",6,{"type":15,"children":16,"toc":258},"root",[17,25,30,37,42,55,61,73,92,97,103,108,120,125,140,152,170,175,181,186,191,197,209,223,229],{"type":18,"tag":19,"props":20,"children":21},"element","p",{},[22],{"type":23,"value":24},"text","\"Zero-access\" isn't marketing jargon — it's an architectural commitment. It means Kura is designed so that even we cannot read your most sensitive financial data.",{"type":18,"tag":19,"props":26,"children":27},{},[28],{"type":23,"value":29},"This post explains what that looks like in practice across Kura Wallet, Kura Card, and TrackFi.",{"type":18,"tag":31,"props":32,"children":34},"h2",{"id":33},"the-problem-with-traditional-finance-apps",[35],{"type":23,"value":36},"The problem with traditional finance apps",{"type":18,"tag":19,"props":38,"children":39},{},[40],{"type":23,"value":41},"Most financial apps store your data in plaintext on company servers. Support staff, engineers, and sometimes third parties can access it. When governments or hackers come knocking, that centralized datastore becomes a single point of failure.",{"type":18,"tag":19,"props":43,"children":44},{},[45,47,53],{"type":23,"value":46},"Zero-access design flips the model: ",{"type":18,"tag":48,"props":49,"children":50},"strong",{},[51],{"type":23,"value":52},"encrypt first, store second",{"type":23,"value":54}," — and never hold the decryption keys yourself.",{"type":18,"tag":31,"props":56,"children":58},{"id":57},"how-it-works-in-kura-wallet",[59],{"type":23,"value":60},"How it works in Kura Wallet",{"type":18,"tag":19,"props":62,"children":63},{},[64,66,71],{"type":23,"value":65},"Kura Wallet uses ",{"type":18,"tag":48,"props":67,"children":68},{},[69],{"type":23,"value":70},"Privy MPC (multi-party computation)",{"type":23,"value":72}," to split key material across parties so no single entity — including Kura — can unilaterally sign transactions or recover your full private key.",{"type":18,"tag":19,"props":74,"children":75},{},[76,78,83,85,90],{"type":23,"value":77},"Your smart account runs on ",{"type":18,"tag":48,"props":79,"children":80},{},[81],{"type":23,"value":82},"Safe",{"type":23,"value":84}," contracts deployed on ",{"type":18,"tag":48,"props":86,"children":87},{},[88],{"type":23,"value":89},"Base",{"type":23,"value":91},", giving you programmable security (spending limits, multi-device approval) without trusting a centralized custodian.",{"type":18,"tag":19,"props":93,"children":94},{},[95],{"type":23,"value":96},"When you trade through integrated partners like Dinari or swap tokens on-chain, transactions are signed locally with keys you control.",{"type":18,"tag":31,"props":98,"children":100},{"id":99},"trackfi-encrypted-before-it-leaves-your-device",[101],{"type":23,"value":102},"TrackFi: encrypted before it leaves your device",{"type":18,"tag":19,"props":104,"children":105},{},[106],{"type":23,"value":107},"TrackFi is where zero-access matters most for privacy.",{"type":18,"tag":19,"props":109,"children":110},{},[111,113,118],{"type":23,"value":112},"When you connect bank accounts (Plaid) or on-chain wallets (DeBank), the raw financial data is aggregated in your app, then ",{"type":18,"tag":48,"props":114,"children":115},{},[116],{"type":23,"value":117},"encrypted with keys derived from your passkey",{"type":23,"value":119}," before any sync to Kura's backend.",{"type":18,"tag":19,"props":121,"children":122},{},[123],{"type":23,"value":124},"What we store:",{"type":18,"tag":126,"props":127,"children":128},"ul",{},[129,135],{"type":18,"tag":130,"props":131,"children":132},"li",{},[133],{"type":23,"value":134},"Encrypted blobs we cannot decrypt",{"type":18,"tag":130,"props":136,"children":137},{},[138],{"type":23,"value":139},"Metadata needed to route sync (account IDs, timestamps)",{"type":18,"tag":19,"props":141,"children":142},{},[143,145,150],{"type":23,"value":144},"What we ",{"type":18,"tag":48,"props":146,"children":147},{},[148],{"type":23,"value":149},"cannot",{"type":23,"value":151}," see:",{"type":18,"tag":126,"props":153,"children":154},{},[155,160,165],{"type":18,"tag":130,"props":156,"children":157},{},[158],{"type":23,"value":159},"Individual transaction descriptions",{"type":18,"tag":130,"props":161,"children":162},{},[163],{"type":23,"value":164},"Account balances in readable form",{"type":18,"tag":130,"props":166,"children":167},{},[168],{"type":23,"value":169},"Spending categories or personal notes",{"type":18,"tag":19,"props":171,"children":172},{},[173],{"type":23,"value":174},"Even under a lawful request, we can only hand over ciphertext — not your financial life story.",{"type":18,"tag":31,"props":176,"children":178},{"id":177},"kura-card-self-custody-spending",[179],{"type":23,"value":180},"Kura Card: self-custody spending",{"type":18,"tag":19,"props":182,"children":183},{},[184],{"type":23,"value":185},"Kura Card works differently from a traditional neobank card. Your spending power is backed by crypto assets in your self-custody wallet, not a pooled custodial account.",{"type":18,"tag":19,"props":187,"children":188},{},[189],{"type":23,"value":190},"Kura doesn't hold your card balance. We facilitate the connection between your wallet and the card network — the assets stay yours until you spend them.",{"type":18,"tag":31,"props":192,"children":194},{"id":193},"what-zero-access-does-not-mean",[195],{"type":23,"value":196},"What zero-access does not mean",{"type":18,"tag":19,"props":198,"children":199},{},[200,202,207],{"type":23,"value":201},"Zero-access is not anonymity. Where regulations require identity verification (KYC for card issuance, stock trading, or fiat on-ramps), you'll complete those flows with our licensed partners. Zero-access applies to ",{"type":18,"tag":48,"props":203,"children":204},{},[205],{"type":23,"value":206},"ongoing data storage and access",{"type":23,"value":208},", not exemption from legal compliance.",{"type":18,"tag":19,"props":210,"children":211},{},[212,214,221],{"type":23,"value":213},"It also doesn't mean \"no support.\" You can still contact us at ",{"type":18,"tag":215,"props":216,"children":218},"a",{"href":217},"mailto:support@kura-finance.com",[219],{"type":23,"value":220},"support@kura-finance.com",{"type":23,"value":222}," — we just won't be able to peek inside your encrypted TrackFi vault to debug on your behalf. We'll guide you through recovery steps that keep you in control.",{"type":18,"tag":31,"props":224,"children":226},{"id":225},"learn-more",[227],{"type":23,"value":228},"Learn more",{"type":18,"tag":19,"props":230,"children":231},{},[232,234,240,242,248,250,256],{"type":23,"value":233},"For the full technical and legal picture, read our ",{"type":18,"tag":215,"props":235,"children":237},{"href":236},"\u002Fprivacy",[238],{"type":23,"value":239},"Privacy Policy",{"type":23,"value":241},", ",{"type":18,"tag":215,"props":243,"children":245},{"href":244},"\u002Fcompliance",[246],{"type":23,"value":247},"Compliance Center",{"type":23,"value":249},", and ",{"type":18,"tag":215,"props":251,"children":253},{"href":252},"\u002Fdocs",[254],{"type":23,"value":255},"Documentation",{"type":23,"value":257},".",{"title":7,"searchDepth":259,"depth":259,"links":260},2,[261,262,263,264,265,266],{"id":33,"depth":259,"text":36},{"id":57,"depth":259,"text":60},{"id":99,"depth":259,"text":102},{"id":177,"depth":259,"text":180},{"id":193,"depth":259,"text":196},{"id":225,"depth":259,"text":228},"markdown","content:blog:understanding-zero-access-finance.md","content","blog\u002Funderstanding-zero-access-finance.md","blog\u002Funderstanding-zero-access-finance","md",1782418750190]