Privacy-first financial operating system on Arbitrum powered by Fhenix CoFHE, combining encrypted payments, credit, governance, identity, mobile apps, and AI-agent infrastructure.
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.
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 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 enables confidential governance participation.
Features include:
Encrypted voting
Private ballots
Delegation
Revoting support
Treasury management
Proposal execution
Governance rewards
Participation tracking
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.
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.
To accelerate adoption and integrations, Obscura includes developer tooling and AI-agent infrastructure.
Published TypeScript SDK providing access to:
Payments
Credit
Governance
Reputation
Activity systems
Notifications
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.
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.
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
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.
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
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.
✔ 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
✔ 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
✔ 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
✔ 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
✔ 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
✔ Released Android application
✔ Added Pay support
✔ Added Credit support
✔ Added Vote support
✔ Added Identity support
✔ Added WalletConnect integration
✔ Validated Arbitrum Sepolia workflows on mobile
✔ 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
✔ 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
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.