Stock-back rewards → tradeable claims
Scan.Prove.Own.
Every stock-back reward is a locked, conditional equity claim, because the purchase can be refunded.
Zen makes that claim a tradeable asset and creates the first onchain market that prices consumer refund risk, settled on Monad.
Monad Testnet · Mock Assets
Reading claims…
- Scan
- Prove
- Verify
- Own
A purchase, captured.
Scan any receipt. It never leaves your hands.
NIKE
Why Monad
Refund risk,priced and settled.
A stock-back reward can't be yours until the return window closes. Zen turns that wait into a market: the claim trades while it is locked, and the price of an early exit is the price of refund risk.
Sub-second finality
An instant exit is actually instant: once your wallet signs, the sale is final in about a second.
Cheap per-claim settlement
Every claim is minted, sold, voided or settled on its own. No batching, no waiting for a cheaper hour.
Plain EVM
Solidity contracts, EIP-712 attestations, ECDSA signatures. Nothing exotic to audit.
- 01
Verified purchase
A merchant-signed receipt (or an attested entry) is checked once and hashed. No personal data goes on-chain.
- 02
Conditional claim
Mock tokenized equity is escrowed in an ERC-721 claim, locked for the return window: 5–10 minute demo windows on testnet, 14–30 days in production.
Sell
Instant exit
Sell the locked claim to the brand's LP pool at a discount, today. The pool now carries the refund risk.
Void
Refund proven
A refund proven before unlock voids the claim. The escrow returns to the sponsor; the holder gets nothing.
Settle
Window closes
After unlock, anyone can settle. The escrowed equity goes to whoever holds the claim.
Mock equity · simulated merchant · Monad testnet
Not points
A claim on the brandsyou buy.
- NikemNKEmock equity
- ApplemAAPLmock equity
- StarbucksmSBUXmock equity
One mock tokenized-equity token per brand, escrowed claim by claim. Testnet tokens are fictional, not securities, and not affiliated with these brands.
Claim book
Live · ConditionalClaim 0xa588…F54C
Locked right now
Reading chain…
- Nike—0 locked · 0 held by LP · 0 voided · 0 settled
- Apple—0 locked · 0 held by LP · 0 voided · 0 settled
- Starbucks—0 locked · 0 held by LP · 0 voided · 0 settled
Escrowed amounts are mock tokenized-equity units on Monad testnet. Not market prices, not securities.
Evidence
Not every proofproves the same thing.
- 1Live demo
Merchant-signed demo receipt
Signature verified: no field changed since the merchant signed it. The merchant itself is simulated, not a real partner.
- 2Live demo
Attested photo / OCR
Read from a photo or typed, then signed by the demo attester. That a real purchase happened is not independently established.
- 3Roadmap
Verified payment / order evidence
Proof from the payment or order source itself (e.g. zkTLS). Roadmap, not implemented.
Evidence, verification and ownership, kept apart.
- One claim per receipt
- Capped rewards
- On-chain eligibility
- Merchant signatures checked
- One refund voids one claim
- Testnet only
