# ZecVault, a goal-based savings wallet built on Zcash shielded transactions **URL:** \ **Category:** Community Collaborations\ **Created:** [April 23, 2026, 11:24am UTC](https://forum.zcashcommunity.com/t/zecvault-a-goal-based-savings-wallet-built-on-zcash-shielded-transactions/55464 "2026-04-23T11:24:58Z")\ **Posts on this page:** 17\ **Page:** 1
**Author:** ![gorusys](https://sea2.discourse-cdn.com/zcash/user_avatar/forum.zcashcommunity.com/gorusys/32/44013_2.png) [@gorusys](https://forum.zcashcommunity.com/u/gorusys)\ **Post date:** [April 23, 2026, 11:24am UTC](https://forum.zcashcommunity.com/t/zecvault-a-goal-based-savings-wallet-built-on-zcash-shielded-transactions/55464/1 "2026-04-23T11:24:59Z")
**TL;DR:** I’m building a Zcash wallet that adds goal-based savings vaults — think Revolut Vaults or Monzo Pots, but fully non-custodial, shielded, and with on-chain commitment via Zcash memo fields. Looking for feedback, collaborators, and anyone interested in testing early builds. ## **The Problem** ZEC is a genuinely great store of value — private, fungible, censorship-resistant. But the wallet UX ecosystem today mostly mirrors Bitcoin wallet design: send, receive, history. There’s no first-class experience for _intentional saving_. When people want to save for something specific — a trip, a down payment, an emergency fund — the habit doesn’t stick because there’s no psychological scaffolding. Nothing makes the goal feel real. You’re just watching a number change in a generic wallet. Behavioral finance research is clear: earmarking money for a specific purpose dramatically increases the probability of achieving a savings goal. Apps like Revolut, YNAB, and Monzo have proven this works at scale in fiat. No one has built this for ZEC. ## **What ZecVault Is** ZecVault is a non-custodial Zcash wallet with a “vault” layer on top. Here’s the core mechanic: ### **Vault Keys** Each vault is a separate shielded Zcash address derived from the user’s master seed. You assign a goal to it: _Trip to Japan_, _Emergency Fund_, _Engagement Ring_. You set a target amount and a deadline. The private key lives locally on the device — so technically, the user _can_ always access the funds. We’re not custodial. But the wallet itself enforces the commitment: **withdrawal before the goal deadline requires a deliberate, friction-heavy “Break Vault” flow**. Think: typing the goal name to confirm, a 24-hour soft lock, a clear display of how much progress you’re abandoning. This is the core insight: you don’t need a smart contract or a custodian to create meaningful financial commitment. You just need intentional UX friction. ### **Memo-Field Anchoring** On first deposit to any vault, ZecVault writes a structured memo to the Zcash blockchain: > _Goal: Trip to Japan · Target: 10 ZEC · Deadline: 2025-06-01 · Created: 2025-04-01_ This memo is encrypted (only the vault key holder can read it), immutable, and permanent. It’s your on-chain commitment record — no server, no third-party, just the Zcash memo field doing what it was designed to do. I think this is an underused primitive that ZecVault can bring real attention to. ### **Goal Templates & Themed UX** Goals come with templates that change the UI. A Ring vault looks different from a Trip vault looks different from an Emergency vault. Progress bars are themed, milestones trigger celebrations, and the UI is designed to make the goal feel _tangible_ — not abstract. Contribution modes include: manual deposits, auto round-up (round any outgoing ZEC transaction up to the nearest 0.1 ZEC and send the difference to the active vault), and recurring scheduled contributions. ## **Tech Approach** Fully open-source. Built on: - `librustzcash` and `zcash_client_sqlite` for the wallet core - React Native + Expo for mobile (iOS + Android) - Tauri for a companion desktop version - No backend storing user data — `lightwalletd` for chain sync, everything else is local - Vault addresses are deterministically derived from BIP39 seed — full recovery from one backup ## **What I’m Looking For** - **Technical feedback** — especially from anyone who has worked with `zcash_client_backend` or built Zcash wallets. The vault address derivation path is something I’d love input on. - **UX feedback** — Is the “friction as a feature” approach too aggressive? Not aggressive enough? Have you tried saving in ZEC and hit friction points? - **Collaborators** — Looking for a mobile dev (RN experience) and ideally someone who knows the Zcash protocol deeply. Open to ZCG grants to fund development. - **Community signal** — Would you use this? What goal would you save for in ZEC? Genuine answers help enormously. ## **Why ZEC, Not Another Chain?** A goal savings tool built on transparent transactions misses the point. Your savings goals are personal — nobody needs to know you’re saving for a ring, or how much your emergency fund holds. Zcash’s shielded transactions mean your vault is invisible to blockchain observers. The memo field gives you immutable personal records without exposing anything. This product genuinely couldn’t work as well on any other chain. ## **Next Steps** I’m targeting a closed alpha in 8 weeks covering the core wallet + single vault flow. If you want to be an early tester or have technical questions, reply here or reach out directly. I’ll be posting progress updates in this thread. Thanks for reading. The Zcash community is the only ecosystem where I’d build this — the values align completely. Let’s make ZEC the currency people save with, not just transact with. ---
**Author:** ![pacu](https://sea2.discourse-cdn.com/zcash/user_avatar/forum.zcashcommunity.com/pacu/32/15383_2.png) [@pacu](https://forum.zcashcommunity.com/u/pacu)\ **Post date:** [April 23, 2026, 8:10pm UTC](https://forum.zcashcommunity.com/t/zecvault-a-goal-based-savings-wallet-built-on-zcash-shielded-transactions/55464/2 "2026-04-23T20:10:06Z")
Our support for react native is not great. What’s your approach there? ---
**Author:** ![gorusys](https://sea2.discourse-cdn.com/zcash/user_avatar/forum.zcashcommunity.com/gorusys/32/44013_2.png) [@gorusys](https://forum.zcashcommunity.com/u/gorusys)\ **Post date:** [May 1, 2026, 2:10pm UTC](https://forum.zcashcommunity.com/t/zecvault-a-goal-based-savings-wallet-built-on-zcash-shielded-transactions/55464/3 "2026-05-01T14:10:59Z")
![Screenshot from 2026-05-01 15-45-40](https://global.discourse-cdn.com/zcash/original/3X/8/6/86bdfe77d81022260837feda7fe9ee28975f4256.png) ![Screenshot from 2026-05-01 15-46-18](https://global.discourse-cdn.com/zcash/original/3X/3/a/3a8173b74f052fb534f5e53fc1432a3dc03f091e.png) ![Screenshot from 2026-05-01 15-46-29](https://global.discourse-cdn.com/zcash/original/3X/5/f/5f86184cbe4d0aa789788064dc81b89fb3598a4c.png) ![Screenshot from 2026-05-01 15-46-50](https://global.discourse-cdn.com/zcash/original/3X/0/b/0bfb2b000872a1ebbcc597d78990290728e6a8fe.png) ![Screenshot from 2026-05-01 15-49-25](https://global.discourse-cdn.com/zcash/original/3X/7/a/7a7052a3af1b6810239ff5fa879004f823cab7c1.png) ![Screenshot from 2026-05-01 15-49-33](https://global.discourse-cdn.com/zcash/original/3X/d/0/d02ad597c61fc71141a3fa9d55c311bd98381647.jpeg) ![Screenshot from 2026-05-01 15-49-39](https://global.discourse-cdn.com/zcash/original/3X/b/8/b86f6041bdd18bcc594657ec6bef938c9b0ec4f4.png) ![Screenshot from 2026-05-01 15-49-46](https://global.discourse-cdn.com/zcash/original/3X/7/3/7356124da46aadbf3df7a46a964fe880059051ca.png) ![Screenshot from 2026-05-01 15-49-58](https://global.discourse-cdn.com/zcash/original/3X/5/9/599d196ef4fb64e940ef24a07596e6a26bb8fdf8.png) ![Screenshot from 2026-05-01 15-50-05](https://global.discourse-cdn.com/zcash/original/3X/5/2/526ec49a94735a1be171a48c6b1432baa0f2429a.png) ![Screenshot from 2026-05-01 15-50-22](https://global.discourse-cdn.com/zcash/original/3X/7/4/74951b964185197c7a69ec80aa4e936116d83af0.png) ![Screenshot from 2026-05-01 15-50-30](https://global.discourse-cdn.com/zcash/original/3X/f/1/f1117fcb654a2b20c92afea94a859a5931510f63.png) ![Screenshot from 2026-05-01 15-50-36](https://global.discourse-cdn.com/zcash/original/3X/7/f/7f5e3ece6f8287b3c6e4213cd1d7477929a4d950.png) ![Screenshot from 2026-05-01 15-50-40](https://global.discourse-cdn.com/zcash/original/3X/7/d/7dd6293125a6b93706924104c79b4dd7ca7bd5bf.png) ![Screenshot from 2026-05-01 15-50-46](https://global.discourse-cdn.com/zcash/original/3X/e/b/ebf73496b460f92c4270b2e67acd1749d00a4338.png) ![Screenshot from 2026-05-01 15-50-53](https://global.discourse-cdn.com/zcash/original/3X/6/3/63708aade2c0e7c56aaf090b7db4b431f8eca3f2.png) Currently, implemented wallet creation flow, lightwalletd integration, and the mock UI/Flow. Now I will implement ZEC sending feature and Vault flow. Would love to get feedback. Thank you. ---
**Author:** ![Lowo88](https://sea2.discourse-cdn.com/zcash/user_avatar/forum.zcashcommunity.com/lowo88/32/37996_2.png) [@Lowo88](https://forum.zcashcommunity.com/u/Lowo88)\ **Post date:** [May 1, 2026, 7:40pm UTC](https://forum.zcashcommunity.com/t/zecvault-a-goal-based-savings-wallet-built-on-zcash-shielded-transactions/55464/4 "2026-05-01T19:40:04Z")
Great work building a vault. Vault apps have a lot of potential. Are there any plans to incorporate private vault management features, such as time-locked assets, in the future? ---
**Author:** ![gorusys](https://sea2.discourse-cdn.com/zcash/user_avatar/forum.zcashcommunity.com/gorusys/32/44013_2.png) [@gorusys](https://forum.zcashcommunity.com/u/gorusys)\ **Post date:** [May 4, 2026, 2:49am UTC](https://forum.zcashcommunity.com/t/zecvault-a-goal-based-savings-wallet-built-on-zcash-shielded-transactions/55464/6 "2026-05-04T02:49:20Z")
After collecting feedback, I will implement the necessary features. ---
**Author:** ![gorusys](https://sea2.discourse-cdn.com/zcash/user_avatar/forum.zcashcommunity.com/gorusys/32/44013_2.png) [@gorusys](https://forum.zcashcommunity.com/u/gorusys)\ **Post date:** [May 4, 2026, 2:52am UTC](https://forum.zcashcommunity.com/t/zecvault-a-goal-based-savings-wallet-built-on-zcash-shielded-transactions/55464/7 "2026-05-04T02:52:12Z")
After reviewing it again, I decided not to use React Native. I will decide again after finding a mobile developer. ---
**Author:** ![gorusys](https://sea2.discourse-cdn.com/zcash/user_avatar/forum.zcashcommunity.com/gorusys/32/44013_2.png) [@gorusys](https://forum.zcashcommunity.com/u/gorusys)\ **Post date:** [May 6, 2026, 4:42am UTC](https://forum.zcashcommunity.com/t/zecvault-a-goal-based-savings-wallet-built-on-zcash-shielded-transactions/55464/8 "2026-05-06T04:42:54Z")
> [@Deterministic 4-Word Aliases for Zcash Addresses (Anti-Spoofing UX Aid)](https://forum.zcashcommunity.com/t/deterministic-4-word-aliases-for-zcash-addresses-anti-spoofing-ux-aid/55383): > > I want to share an idea for improving address verification, deriving a short, deterministic 4-word alias from any Zcash address string so users can do a fast visual sanity-check before sending funds. Zcash addresses are long and hard to compare manually. This makes users vulnerable to clipboard malware, spoofed addresses in chats, and subtle typo-based scams. For any address string (t1…, zs1…, u1…), derive a deterministic 4-word phrase (example format: legal trumpet lobster maple) that can be … I am planning to introduce this features in ZecVault. Do you think it will be helpful for new ZEC users, or could it cause confusion? _Poll ([view on site](https://forum.zcashcommunity.com/t/zecvault-a-goal-based-savings-wallet-built-on-zcash-shielded-transactions/55464/8))_ If it is useful, should this feature be enabled by default, with an option to turn it off in settings? Or should it be disabled by default? _Poll ([view on site](https://forum.zcashcommunity.com/t/zecvault-a-goal-based-savings-wallet-built-on-zcash-shielded-transactions/55464/8))_ ---
**Author:** ![fireice\_uk](https://sea2.discourse-cdn.com/zcash/user_avatar/forum.zcashcommunity.com/fireice_uk/32/16429_2.png) [@fireice\_uk](https://forum.zcashcommunity.com/u/fireice_uk)\ **Post date:** [May 6, 2026, 10:04am UTC](https://forum.zcashcommunity.com/t/zecvault-a-goal-based-savings-wallet-built-on-zcash-shielded-transactions/55464/9 "2026-05-06T10:04:19Z")
> [@Deterministic 4-Word Aliases for Zcash Addresses (Anti-Spoofing UX Aid)](https://forum.zcashcommunity.com/t/deterministic-4-word-aliases-for-zcash-addresses-anti-spoofing-ux-aid/55383/1): > > string (t1…, zs1…, u1…), derive a deterministic 4-word phrase (example format: legal trumpet lobster maple) that can be … I would say it is a useful feature, but I would encourage you to codify it in a ZIP process so others have a clear spec to follow. Developers just raw dogging it is how we got incompatible seed phrases 🙄 ---
**Author:** ![gorusys](https://sea2.discourse-cdn.com/zcash/user_avatar/forum.zcashcommunity.com/gorusys/32/44013_2.png) [@gorusys](https://forum.zcashcommunity.com/u/gorusys)\ **Post date:** [May 13, 2026, 8:03am UTC](https://forum.zcashcommunity.com/t/zecvault-a-goal-based-savings-wallet-built-on-zcash-shielded-transactions/55464/10 "2026-05-13T08:03:19Z")
> **[GitHub - gorusys/zecvault](https://github.com/gorusys/zecvault)** > > Contribute to gorusys/zecvault development by creating an account on GitHub. I’ve implemented the basic wallet features, including wallet creation/restoration, ZEC transfers, and the Vault Cycle. At the moment, development is supported on Linux only and can be run via `npm run dev:linux`. I’ll be releasing a Linux beta build soon for testing. ---
**Author:** ![gorusys](https://sea2.discourse-cdn.com/zcash/user_avatar/forum.zcashcommunity.com/gorusys/32/44013_2.png) [@gorusys](https://forum.zcashcommunity.com/u/gorusys)\ **Post date:** [May 13, 2026, 8:13am UTC](https://forum.zcashcommunity.com/t/zecvault-a-goal-based-savings-wallet-built-on-zcash-shielded-transactions/55464/11 "2026-05-13T08:13:12Z")
Now I’m looking for a partner to help build this project together. In particular, I’m looking for someone who can help with testing, creating demo videos, and supporting the project in other practical ways. If you’re interested, please reach out to me. Thank you. ---
**Author:** ![Lowo88](https://sea2.discourse-cdn.com/zcash/user_avatar/forum.zcashcommunity.com/lowo88/32/37996_2.png) [@Lowo88](https://forum.zcashcommunity.com/u/Lowo88)\ **Post date:** [May 13, 2026, 4:09pm UTC](https://forum.zcashcommunity.com/t/zecvault-a-goal-based-savings-wallet-built-on-zcash-shielded-transactions/55464/12 "2026-05-13T16:09:42Z")
ZecVault will be good I, was working on vaults on Secret Network. with time locks etc. seem like they are ahead of its times at the moment. Here the repo [Lowo88/Legacy-contract: Legacy Contract - A Privacy-Preserving Smart Contract for Asset Inheritance A Solidity smart contract that enables secure and private inheritance of digital assets using zero-knowledge proofs (Halo2). The contract allows users to: - Create private vaults with time-locked assets Key Features: - Halo2 zero-knowledge proof integration](https://github.com/Lowo88/Legacy-contract) I have the secret one that, I had with Sean from secret can’t find it 🫠 ---
**Author:** ![gorusys](https://sea2.discourse-cdn.com/zcash/user_avatar/forum.zcashcommunity.com/gorusys/32/44013_2.png) [@gorusys](https://forum.zcashcommunity.com/u/gorusys)\ **Post date:** [May 14, 2026, 9:15am UTC](https://forum.zcashcommunity.com/t/zecvault-a-goal-based-savings-wallet-built-on-zcash-shielded-transactions/55464/13 "2026-05-14T09:15:52Z")
I’ve added github actions workflows to automate Ubuntu app releases for the build. And also integrated the deterministic 4-word alias feature into ZecVault. Latest beta release : [Release v0.1.4 · gorusys/zecvault · GitHub](https://github.com/gorusys/zecvault/releases/tag/v0.1.4) ---
**Author:** ![gorusys](https://sea2.discourse-cdn.com/zcash/user_avatar/forum.zcashcommunity.com/gorusys/32/44013_2.png) [@gorusys](https://forum.zcashcommunity.com/u/gorusys)\ **Post date:** [May 18, 2026, 5:04am UTC](https://forum.zcashcommunity.com/t/zecvault-a-goal-based-savings-wallet-built-on-zcash-shielded-transactions/55464/14 "2026-05-18T05:04:53Z")
> **[Release v0.1.6 · gorusys/zecvault](https://github.com/gorusys/zecvault/releases/tag/v0.1.6)** > > Full Changelog: v0.1.5...v0.1.6 > Full Changelog: v0.1.5...v0.1.6 > Full Changelog: v0.1.5...v0.1.6 Released windows app. ---
**Author:** ![gorusys](https://sea2.discourse-cdn.com/zcash/user_avatar/forum.zcashcommunity.com/gorusys/32/44013_2.png) [@gorusys](https://forum.zcashcommunity.com/u/gorusys)\ **Post date:** [May 19, 2026, 3:01pm UTC](https://forum.zcashcommunity.com/t/zecvault-a-goal-based-savings-wallet-built-on-zcash-shielded-transactions/55464/15 "2026-05-19T15:01:32Z")
> **[Release v0.1.9 · gorusys/zecvault](https://github.com/gorusys/zecvault/releases/tag/v0.1.9)** > > Full Changelog: v0.1.8...v0.1.9 > Full Changelog: v0.1.8...v0.1.9 > Full Changelog: v0.1.8...v0.1.9 > Full Changelog: v0.1.8...v0.1.9 Macos app here. ---
**Author:** ![gorusys](https://sea2.discourse-cdn.com/zcash/user_avatar/forum.zcashcommunity.com/gorusys/32/44013_2.png) [@gorusys](https://forum.zcashcommunity.com/u/gorusys)\ **Post date:** [May 20, 2026, 1:34pm UTC](https://forum.zcashcommunity.com/t/zecvault-a-goal-based-savings-wallet-built-on-zcash-shielded-transactions/55464/16 "2026-05-20T13:34:32Z")
Really sorry for this updates, Macos build is not working well yet. ---
**Author:** ![gorusys](https://sea2.discourse-cdn.com/zcash/user_avatar/forum.zcashcommunity.com/gorusys/32/44013_2.png) [@gorusys](https://forum.zcashcommunity.com/u/gorusys)\ **Post date:** [May 20, 2026, 1:35pm UTC](https://forum.zcashcommunity.com/t/zecvault-a-goal-based-savings-wallet-built-on-zcash-shielded-transactions/55464/17 "2026-05-20T13:35:37Z")
I am running a dedicated lightwalletd for ZecVault - [lightwallet.getzecvault.com](http://lightwallet.getzecvault.com) ---
**Author:** ![gorusys](https://sea2.discourse-cdn.com/zcash/user_avatar/forum.zcashcommunity.com/gorusys/32/44013_2.png) [@gorusys](https://forum.zcashcommunity.com/u/gorusys)\ **Post date:** [May 21, 2026, 7:56pm UTC](https://forum.zcashcommunity.com/t/zecvault-a-goal-based-savings-wallet-built-on-zcash-shielded-transactions/55464/18 "2026-05-21T19:56:06Z")
Hey everyone, Just pushed an update. Bug fix: transaction history was broken Several users reported that after their wallet finished scanning the blockchain, the History tab showed nothing — even though the sync completed successfully. The wallet had found your transactions, but a hidden error was preventing them from ever appearing on screen. This is now fixed. If you restore a wallet or sync from an old birthday height, your full transaction history will show up correctly once sync finishes. New: hide your balance Tap the eye icon on the dashboard to hide all balance numbers. Handy when you’re sharing your screen, sitting in public, or just want a bit of extra privacy day-to-day. Tap again to bring them back. New: shielding reminder If any of your ZEC is sitting in a transparent address — meaning it’s publicly visible on the blockchain — a warning banner will appear on your dashboard. You can shield it to a private address in one tap. Zcash’s whole point is privacy, so we want to make sure nothing slips through unshielded by accident. New: confirmation status on transactions Instead of just “Pending” or “Mined,” each transaction in your history now shows you how confirmed it actually is. A freshly mined transaction shows the confirmation count as it climbs. Once it hits 10 confirmations it’s marked as fully confirmed. This is the standard Zcash threshold for a transaction being considered settled. New: viewing key export Under Settings there’s now a Viewing Key section. A viewing key lets someone see all of your incoming and outgoing transactions without being able to spend anything. Useful if you want to set up a read-only wallet for accounting, or share your history with someone you trust (an accountant, a partner). The key is hidden by default — you have to tap to reveal it, and there’s a clear warning before it’s shown.