Abstract: Disclosed herein are methods, systems, and devices for concealing account balances of permissionless distributed ledgers using multi-chain and/or directed acyclic graph (DAG) based structures, while maintaining publicly verifiable transactions. According to one embodiment, a computer-based method for recording a transaction in a ledger having a transacted amount, a first account balance associated with a sender and a second account balance associated with a receiver is disclosed. The computer-based method includes encrypting the transacted amount using a first shared key, decreasing the first account balance by the transacted amount, encrypting the first account balance with a first private key, increasing the second account balance by the transacted amount, encrypting the second account balance with a second private key.

Abstract: Disclosed herein are methods, systems, and devices for solving the technological problem of stabilization of value for transactions during transfer using volatile digital assets. An on-chain scalable solution of value stabilization with privacy is disclosed in addition to a Confidential Multi-chain with Intermediate Stable Account chain structure used to implement the methods. A method to cryptographically conceal the account balances and transacted amounts and collateral while staying publicly verifiable is also disclosed. A method to verify that a payment transaction with collateral between two accounts through the intermediate Stable account is valid without knowing the balances, transacted amounts, nor collateral is disclosed. A method to determine and store a digital asset price in a ledger is disclosed. A method to claim a payment from another account, so that the second account cannot refuse to pay in case is disclosed. Additional methods, systems, and devices are also disclosed.

Abstract: Disclosed herein are methods, systems, and devices for providing secure national and/or cross-border payments with high transaction throughput using a hybrid of centralized payment system and cryptographically secure distributed ledger technologies? The system combines the benefits of a centralized system, including the ability to deposit and withdraw fiat currency following bank regulations, “Know Your Customer”/“Know Your Business” (KYC/KYB), “Anti-Money Laundering” (AML), with high security of cryptographically secure distributed ledger technology to solve security issues. A multi-chain structure is used to implement the methods with instant settlement, high security, integrity and scalability.

Abstract: Disclosed herein are methods, systems, and devices for solving the technological problem of security within centralized payment systems using hybrids of cryptographically secure distributed ledger technologies and centralized payment systems. In one embodiment, a computer-based system is configured for payments using a hybrid architecture of a centralized payment system and a cryptographically secure distributed ledger technology. The computer-based system includes a centralized database, a distributed ledger, application programming interfaces (API) servers, users' devices (including customer devices and merchant devices), and a master wallet device.