OpenPerks

OpenPerks is an open, privacy-preserving offer network powered by zero-knowledge proofs (ZKPs) and verifiable credentials. We enable anyone to prove they meet merchant-defined criteria—such as "$100 spent on travel last month"—without revealing any sensitive information.

By combining Plaid financial verification, AIR credentialing via Moca Network, and seamless authentication through Google or email login, users unlock exclusive perks both online and in-store using cryptographic proofs instead of personal data.

🔗 How It Works

1. Simple, Private Sign-In

Users onboard with a familiar login experience—Google, email, or wallet—using Privy-style AIR credentials backed by Moca Network. This enables web2 convenience with web3 ownership and privacy.

2. Proof Wallet & Storage

Users store references to verifiable proofs (ZKPs) associated with spending behavior or other verified traits. These proofs are non-custodial and portable—owned by the user.

3. Offer Discovery

Inside our app, users browse a dynamic catalogue of exclusive offers—discounts, perks, and loyalty bonuses. Each offer includes specific eligibility criteria (e.g., "$50+ on dining in the past 2 weeks").

4. Credential Generation via Plaid

If a user doesn’t yet hold a valid proof for an offer:

They connect Plaid to securely verify spending.
A zero-knowledge proof is generated client-side.
No personal data or transaction history is shared with the merchant—only a cryptographic "yes" or "no".

5. Private Redemption (Online or In-Store)

Once a proof is generated:

The user can instantly redeem offers online.
Or, via our mobile app, they can securely transfer the ZKP to a merchant’s payment terminal at point-of-sale (IRL).
The merchant receives a simple pass/fail verification—nothing more.

🎯 Core Features

Feature	Description
ZK Proof Engine	Enables spend-based credential verification with zero data leakage.
Moca + AIR Credentials	Login and credential wallet powered by decentralized identity primitives.
Plaid Integration	Off-chain data sourced from real financial institutions.
Offer Marketplace	Merchant-curated perks gated by proof-based eligibility.
Mobile IRL Proof Transfer	NFC or QR-based ZK proof delivery from app to POS terminal.

🔐 Privacy & Interoperability by Design

No PII exchanged during offer redemption.
Users own their proofs and can use them across any integrated merchant or app.
Verifiers and issuers can plug in via open standards and SDKs.

💵 Use Cases

Travel brands rewarding recent travelers
D2C merchants offering discounts to high-spending categories
Web3 brands doing onchain + offchain loyalty bridges
IRL retailers rewarding lifestyle behaviors, privately

💡 Vision

We’re building the proof layer for private commerce—a universal, programmable offer network that respects users, empowers merchants, and moves loyalty beyond borders and silos.