Obscura — Private Finance Infrastructure on Arbitrum

Obscura is a privacy-first financial operating system built on Arbitrum and powered by Fhenix CoFHE.

Our goal is to bring practical financial privacy to payments, lending, governance, identity, and AI-native applications while preserving composability, usability, and onchain verifiability.

Rather than building a single privacy application, Obscura demonstrates how encrypted state can power an entire financial ecosystem on Arbitrum.

Core Products

Obscura Pay

Obscura Pay provides confidential financial interactions powered by encrypted balances.

Key capabilities include:

• Private payments

• Encrypted USDC (ocUSDC)

• Payroll infrastructure

• Recurring payment streams

• Protected escrow

• Private invoices

• Subscription management

• Stealth receiving

• Private inbox delivery

• Smart account integrations

Obscura Credit

Obscura Credit introduces privacy-preserving lending infrastructure.

Features include:

• Encrypted collateral

• Confidential borrowing

• Private health metrics

• Liquidation infrastructure

• Credit scoring

• Risk management

• Automation hooks

• Earn vault infrastructure

Obscura Vote

Obscura Vote enables confidential governance participation.

Features include:

• Encrypted voting

• Private ballots

• Delegation

• Revoting support

• Treasury management

• Proposal execution

• Governance rewards

• Participation tracking

Obscura Identity

Obscura Identity acts as a shared reputation and activity layer across the ecosystem.

Identity aggregates signals from:

• Payments

• Credit activity

• Governance participation

• Protocol achievements

• Reputation scoring

This creates reusable privacy-preserving trust signals that can be leveraged across applications.

Cross-Product Integrations

A major focus of Obscura is interoperability between products rather than isolated applications.

Examples include:

• Payment activity contributing to reputation signals

• Credit behavior influencing trust and scoring systems

• Governance participation feeding identity profiles

• Shared activity infrastructure across all products

• Unified user profiles spanning payments, credit, and governance

This transforms Obscura from a collection of dApps into a complete privacy-finance operating system.

Agentic & Developer Infrastructure

To accelerate adoption and integrations, Obscura includes developer tooling and AI-agent infrastructure.

Obscura SDK

Published TypeScript SDK providing access to:

• Payments

• Credit

• Governance

• Reputation

• Activity systems

• Notifications

Obscura MCP

Published MCP tooling supporting:

• Cursor

• Claude

• VS Code

• Agent workflows

• Automation platforms

This allows AI agents and developers to build directly on top of Obscura infrastructure.

Mobile Experience

Obscura includes a live Android application that extends encrypted finance to mobile users.

Users can access:

• Payments

• Credit

• Governance

• Identity

through the same privacy-preserving architecture available on web.

Production Readiness

The ecosystem currently includes:

• 38 deployed smart contracts

• 51 indexed protocol events

• 28 reputation signals

• Shared identity infrastructure

• Shared reputation infrastructure

• Shared activity infrastructure

• SDK and MCP tooling

• Mobile application support

Recent improvements include:

• Credit Vault privacy enhancements

• Expanded CoFHE integration testing

• End-to-end protocol validation

• SDK improvements and NPM releases

• MCP tooling improvements

• Documentation expansion

• Frontend and backend stability upgrades

Why Obscura Matters

Most privacy applications solve a single problem.

Obscura demonstrates how payments, lending, governance, reputation, mobile applications, and AI agents can operate together within a unified privacy-first ecosystem built on Arbitrum.

By combining Arbitrum's scalability with Fhenix CoFHE encrypted computation, Obscura showcases a practical path toward the next generation of private onchain finance.

Resources

Website
https://obscuraos.online

Documentation
https://obscuraos.online/docs

SDK
https://www.npmjs.com/package/@obscura-fhe/sdk

MCP
https://www.npmjs.com/package/@obscura-fhe/mcp

GitHub
https://github.com/mohamedwael201193/OBSCURA

X
https://x.com/obscurafhe

Demo Video
https://youtu.be/5VAVm6jW3pU

During the Arbitrum Open House London Buildathon, Obscura evolved from a collection of privacy-focused applications into a fully integrated privacy-finance operating system built on Arbitrum.

🏦 Obscura Credit Expansion

✔ Built and expanded private lending infrastructure

✔ Integrated Credit Markets with encrypted supply, borrow and collateral positions

✔ Added Credit Router for simplified borrowing flows

✔ Added Credit Score V2 reputation integration

✔ Connected reputation signals directly into credit scoring

✔ Implemented Stream Hook automation for automatic loan repayments

✔ Implemented Insurance Hook protection against liquidation events

✔ Expanded Earn Vault infrastructure

✔ Hardened Credit Vault privacy layer

✔ Removed plaintext withdrawal amount exposure from vault event surfaces

✔ Redeployed updated vault infrastructure on Arbitrum Sepolia

✔ Performed end-to-end validation across supply, borrow, repay and withdraw flows

💸 Obscura Pay Expansion

✔ Expanded confidential payment infrastructure

✔ Improved encrypted transfers and shielded balance workflows

✔ Enhanced payroll execution architecture

✔ Improved recurring payment streams

✔ Expanded invoice management system

✔ Expanded confidential escrow workflows

✔ Improved stealth receiving and ERC-5564 integrations

✔ Improved activity indexing and transaction visibility

✔ Added production-grade notification support

🗳 Obscura Vote Expansion

✔ Expanded encrypted governance infrastructure

✔ Improved proposal creation workflows

✔ Added enhanced delegation support

✔ Added revoting support

✔ Improved treasury governance modules

✔ Expanded reward distribution mechanisms

✔ Added governance analytics and participation tracking

✔ Integrated reputation-driven governance signals

🧬 Identity & Reputation System

✔ Built unified Identity workspace

✔ Added cross-product reputation engine

✔ Added wallet reputation tiers

✔ Added activity feed infrastructure

✔ Added reputation signal aggregation

✔ Integrated Credit, Pay and Vote activity into a unified reputation graph

✔ Built user-facing reputation dashboards

🤖 Agentic Infrastructure

✔ Released @obscura-fhe/sdk

✔ Released @obscura-fhe/mcp

✔ Built User MCP profile

✔ Built Developer MCP profile

✔ Built Documentation MCP profile

✔ Added Agent Token authentication system

✔ Added wallet-scoped agent permissions

✔ Added AI-ready transaction builders

✔ Added Claude, Cursor and VS Code integrations

📱 Mobile Expansion

✔ Released Android application

✔ Added Pay support

✔ Added Credit support

✔ Added Vote support

✔ Added Identity support

✔ Added WalletConnect integration

✔ Validated Arbitrum Sepolia workflows on mobile

🧪 Testing & Production Readiness

✔ Added CoFHE integration testing

✔ Added Credit integration coverage

✔ Added Escrow integration coverage

✔ Added Vote integration coverage

✔ Added end-to-end validation on Arbitrum Sepolia

✔ Added production deployment verification

✔ Added vault privacy regression testing

✔ Verified Pay, Credit, Vote and Identity flows after deployment

✔ Verified SDK and MCP compatibility with deployed infrastructure

🌐 Ecosystem Expansion

✔ Expanded Documentation Portal

✔ Expanded SDK documentation

✔ Expanded MCP documentation

✔ Expanded Agent onboarding

✔ Expanded deployment registry

✔ Expanded API infrastructure

✔ Expanded indexing infrastructure

✔ Expanded developer onboarding resources

📊 Final Outcome

Obscura now operates as a unified privacy-finance stack on Arbitrum, combining:

• Private Payments
• Private Credit Markets
• Encrypted Governance
• Reputation Infrastructure
• Identity Layer
• Mobile Applications
• Agentic SDK
• MCP Server Ecosystem

All connected through a shared encrypted architecture powered by Fhenix CoFHE and deployed on Arbitrum Sepolia.