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This FAQ covers the questions most commonly asked about Z. The roadmap is the authoritative source for forward-looking work.

General

What is Z? Z is the agent interaction layer, where humans and agents can think, act, and earn privately. Anyone can access unbiased AI through Z and will then be able to deploy agents to act reliably, autonomously, and privately through a vertically integrated system of agent utilities. What is shipping at phase one and what is deferred? Z Inference will be live first, allowing all users to access private, unbiased AI. Shortly after, the full Z platform will launch, including reliability checks for agents, a sovereign ledger, and a suite of utilities to promote reliable, autonomous, and private agentic action. Where are the ShieldedPool, Z Trade, and Z Lend deployed? They are deployed as smart contracts on Z. Is Z a rollup? No. Z is being built as a sovereign ledger with its own consensus mechanism (Zcash Satoshi Plus) and its own validator network.

Privacy

Does Z see my prompts? On Tiers 1, 2, and 3, the gateway sees prompts in plaintext but does not retain them (Zero Data Retention). On Tier 4, the gateway cannot see prompts. The request is end-to-end encrypted between the client and the TEE node, and the gateway holds no decryption key. What is the difference between Tier 3 and Tier 4? Tier 3 runs inference inside a hardware-attested enclave. The attestation chain is verified before any payload is dispatched, and the response is bound to the attested execution. The gateway sees the prompt in plaintext on Tier 3. Tier 4 is end-to-end encrypted: the gateway sees only ciphertext. For workloads where the gateway must be cryptographically unable to see content, Tier 4 is the answer. Can I trust that a Tier 3 or Tier 4 response really came from an attested enclave? Yes, independently. The attestation chain is verifiable by anyone with the hardware vendor’s tooling. The gateway exposes the raw quote for independent verification. What about the ShieldedPool? The ShieldedPool uses zero-knowledge proofs to make balances, transfers, and asset types within the pool cryptographically hidden. An outside observer can see that pool transactions occurred but not what they were. Viewing keys allow voluntary, scoped disclosure (to an accountant, a regulator, an auditor) without revealing more than the scope authorizes. Is privacy mandatory? No. Privacy is opt-in, through tier selection on inference and through the ShieldedPool for on-chain assets.

Payment

What are the supported payment methods? Three rails feed a single credit pool: Stripe (fiat top-ups and subscriptions), x402 (per-request on-chain payment with USDC on Base or Solana), and MPP (pre-authorized session payments via Stripe PaymentIntents). What is Zero Completion Insurance? ZCI is a first-class billing primitive: if a request fails to produce a valid completion for any reason inside Z’s control, the hold is released to zero charge. ZCI is not a refund policy and does not require a support request. It applies on every settlement rail. Why is Tier 4 not available on subscriptions? Tier 4 settlement uses the silicon-signed z_metadata trailer and bypasses the credit system. Bundling it into a subscription would require a separate billing path that does not exist. Subscription users access Tier 4 by linking a wallet to their account.

Technical

Is Z OpenAI-compatible? Yes, for Tiers 1, 2, and 3. Existing OpenAI, LangChain, and Vercel AI SDK code works with a base URL change. Tier 4 requires the Z TypeScript SDK because of the end-to-end encryption handshake. What SDKs are available? With the launch of the Z chain, the Z TypeScript SDK, the primary Z-native SDK, will be launched as well. Tiers 1, 2, and 3 work with any OpenAI-compatible client SDK. A Python SDK with native Tier 4 support is also on the roadmap. Can I use my own provider keys (BYOK)? Yes, on Tier 1 only, in a subsequent release. BYOK is architecturally rejected on Tiers 2, 3, and 4 because the trust-tier guarantees would be broken. Those tiers depend on Z’s relationship with specific provider populations under specific terms. BYOK is on the roadmap. What is the attestation verification endpoint? A public endpoint that exposes the raw TDX Quote (or equivalent hardware-vendor quote) for a Tier 3 or Tier 4 attestation. Developers with the appropriate vendor tooling can verify the attestation independently of Z.

Utilities

What is Z Trade? A private trading venue built on the ShieldedPool. Users swap assets without revealing identities, amounts, or asset pairs to outside observers. What is Z Lend? A private lending market. Users supply assets to earn yield and borrow against shielded collateral. Supply markets use USDC and other bridged ERC-20 stablecoins. Can I build my own utility on Z? Yes. The RelayAdapter pattern is open. Any utility that wants to compose with the ShieldedPool can integrate it. See ShieldedPool integration.