# Overview

Silo is a non-custodial crypto payments platform. It lets users send and receive cryptocurrency using a single username, with privacy built into every transaction and compliance enforced automatically.

The sender types a username and a dollar amount. Silo handles everything else — asset conversion, chain routing, bridging, privacy, and compliance — in the background. The receiver gets paid in their preferred asset on their preferred chain, to the wallet of their choosing, without the sender ever needing to know those details.

No wallet addresses are exchanged between parties. No chain or asset coordination is required. No new wallet is needed — Silo works with whatever wallet the user already has.

Every transaction is private by default. Sender-receiver linkage is hidden from public blockchain observers. Both parties receive a redacted receipt that proves the payment occurred without exposing wallet addresses or transaction hashes from the other side.

Silo maintains a full encrypted audit trail behind every transaction. Sanctions screening and risk checks are applied automatically. The platform uses a three-tier verification system where higher verification unlocks lower fees and higher limits, while unverified users can still transact within defined thresholds.

Silo is currently live on Ethereum, Sui, and Solana. The primary supported asset is USDC, with additional asset coverage expanding.

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#### **Key sections:**

* [**Silo 101**](https://docs.silopay.io/silo-101) — A plain-language explanation of what Silo is and why it exists.
* [**How Silo Works**](https://docs.silopay.io/how-silo-works) — Usernames, receiver preferences, payment flow, shared vaults, cross-chain routing, and payment requests.
* [**Privacy**](https://docs.silopay.io/privacy) — How Silo protects transaction privacy, the ZK layer, shared vault privacy, and how Silo compares to other privacy protocols.
* [**Compliance**](https://docs.silopay.io/compliance) — The three-tier system, Payment Instructions, redacted receipts, and sanctions screening.
* [**Fees** ](https://docs.silopay.io/fees)— Fee structure by tier and comparison to alternatives.
* [**Resources**](https://docs.silopay.io/resources) — FAQ, glossary, and security information.