Hinkal Is Live in Avvio: Private Balances, Transfers & Deposit Addresses

Avvio is a payments platform for businesses that move money across borders. Payouts to more than 150 countries in more than 60 currencies. Local rails including Pix, UPI, SPEI, InstaPay and Faster Payments, for the places where the local rail is the only thing that arrives the same day. Its customers include global teams paying contractors, platforms paying sellers, and licensed money businesses.

Hinkal is now live inside Avvio. Hold a private balance, send privately, and get paid privately through deposit addresses, in the interface you already use.

‍‍

What public settlement gives away

Every transaction on a public chain carries the sender, the recipient and the amount. That holds for a payment to one person and for a payout run to a thousand.

So payroll shows what each contractor is paid. They can compare, and so can whoever is trying to hire them. A seller payout is the week's earnings table, which is the one list a competing platform would most like to have. A desk gives away its flow: sizes, timing, and who is on the other side of them.

None of it expires, either. Once an address is tied to a name, everything that address has ever done is tied to it too.

‍

What the integration brings

A Private Balance

Funds sit under your own keys in a balance the chain cannot size. What the ledger shows is that Hinkal's contract holds money, not how much of it is yours. 

Private Transfers

Sender, recipient and amount stay confidential on the payment itself. A payout run settles without publishing who got what, and a supplier payment settles without publishing the terms.

Deposit Addresses for Getting Paid

A deposit address behaves like an ordinary address, so a client, a platform or an exchange pays it with no change to anything they do. Whoever is paying sees an address and nothing else: no account to create, no wallet to connect, no view of the balance behind it. Hold as many as you want, one per counterparty if that suits, all feeding the same private balance.

‍

Private & Accountable

Every payment into a deposit address is screened with Chainalysis KYT before it can enter the private balance. Anything that comes back high risk stays at the address as public funds, where you can return it to the sender or move it elsewhere. The check happens at the point of entry, so what reaches your balance is clean.

Disclosure works the same way round. Viewing keys open a full history to an auditor, a banking partner or a regulator when you choose, and to nobody else. 

A transfer into a deposit address is a normal transaction, so it can be seen, and so can moving funds back out to a public address. What goes away is the link between those moments and everything else you hold and do.

‍

How it works

Paying contractors

Everyone on the payroll can read the rest of the payroll, and so can anyone looking to hire one of them away. Rates agreed one at a time stop being separate, and the next negotiation opens at the highest number on the list. Pay from a private balance, the payment goes out as usual and none of it is left on the chain.

Paying sellers

When money in and money out are both visible, the take rate can be worked out from the chain. Sellers run that arithmetic, and so do competing platforms, which can sort your sellers by earnings and start at the top. From a private balance, the payouts still go out on schedule, and the earnings do not go out with them.

Getting paid by a client

A client holding your address can see what your other clients pay you. That is the number they price against at renewal, and a discount you gave somebody else becomes the discount they expect. Give each client its own deposit address and what they get is an address with nothing behind it.

Quoting a price

A counterparty can size your inventory before asking for it, and see who else you have been trading with. Both are worth money to whoever is on the other side of the next trade. One deposit address per counterparty keeps each to its own view, with the balance behind them unreadable.

‍

Where to find it

The integration is live in the Avvio interface you already use. Nothing new to install, no separate account to open.

You hold a private balance next to the balances that are already there, and you send from it the way you send anything else. When you need to be paid, generate a deposit address and share it: on an invoice, in a platform's payout field, as the destination on an exchange withdrawal. What arrives is screened at the address and moves into the private balance from there.

For whoever is paying you, none of this registers. They see an address and send to it, which is what they were doing before.

Start transferring your crypto privately in Avvio, powered by Hinkal.

‍

Frequently Asked Questions

What is Avvio?

Avvio is a global payments platform for businesses. Account details in USD, EUR, GBP and AED, payouts to more than 150 countries in more than 60 currencies, local rails including Pix, UPI, SPEI and Faster Payments, and mass payouts through an API. Avvio is a financial technology company rather than a bank, with accounts, cards and custody provided by licensed partners.

What does the integration add?

Three things, inside Avvio's own interface: a private balance, private transfers, and deposit addresses for getting paid privately. No separate app and no second account.

What can people still see?

A transfer into a deposit address is an ordinary transaction, so it is visible, and so is moving funds back out to a public address. What is not visible is the balance behind it, what you pay out, or who else pays into it.

Does anyone take custody of the funds?

No. Avvio's balances do not sit in a house account Avvio controls, and Hinkal's private balance is held under your own keys. There is no custody handoff at either step.

Can payments still be audited?

Yes. Viewing keys let you disclose your history to an auditor, a banking partner or a regulator whenever you need to. Privacy here is selective disclosure, not anonymity.

Is this a mixer?

No. Every deposit is screened with Chainalysis KYT before it can enter a private balance, and funds that come back high risk are kept out.

‍