Route planner

A checklist for a route you carry out yourself at outside services, through Monero or Zcash. It works out the cost and times the waiting; it never sends anything.

Route through Zcash

Route planner

A checklist for sending through Zcash with outside services. You swap what you hold into Zcash at one service, wait, move it inside your own wallet, then swap it back, paid to the recipient. You do every step yourself, at the services and in your wallet. This page works out the cost, says what the plan hides and what it risks, and keeps the checklist and the timer. It holds no address, sends nothing, and moves no money.

It takes hours to days on purpose: the wait is what protects you. Fiat purchases are not covered.

Your plan

You holdAmountSwap into Zcash atSwap back atWait between the swapsMoves inside Zcash

NEAR Intents (swap in this app): fee not published, left out of the estimate (reported, checked 2026-10-15)

NEAR's fee is in the live quote in Swap; it cannot be shown in advance, so the estimate leaves it out. Zodl's support page says swaps into shielded ZEC use NEAR Intents.

Whether it accepts shielded and unified Zcash addresses as a destination is not confirmed here (sources conflict): send a small amount first.
A refund goes to the refund address you give it: use one you do not mind linking to the swap.

Source: Zodl: swapping into ZEC SwapKit: Zcash shielded and unified addresses

Zodl CrossPay (NEAR Intents): fee not published, left out of the estimate (reported, checked 2026-10-15)

Zodl says your shielded ZEC covers the payment and its fees but gives no amount; the wallet shows the quote before you confirm.

Done inside the Zodl wallet, spending directly from your shielded funds; no account is needed.
It runs on NEAR Intents, the same service as the swap in, so one party handles both ends.
Its support page does not say where a failed payment is refunded, whether to a shielded or a transparent address.
Check the asset, the network and the destination address before you confirm.

Source: Zodl: using CrossPay to spend ZEC

Before the fees that are not published, you would get about 1000.00 USDC from 1000

Hidden route, easy to match

Neither service publishes a fee, so none is counted here. Network fees on the public legs and the Zcash fee come on top; each service shows them in its quote. 2 transactions are yours.

NEAR Intents (swap in this app) and Zodl CrossPay (NEAR Intents) publish no fee, so the real amount is lower than the estimate. Their quotes show the fee before you commit.

One service handles both ends, so it can match what goes in with what comes out.
A refund on a Zcash swap may go to a transparent address, which would link your shielded funds to you (reported in 2026; nothing found confirms it is fixed). Give a refund address you do not mind linking to the swap, and ask the service which kind it refunds to.

Could not be checked: how many other deposits fell in the gap; where the new address gets its gas; how you reach the network.

Hidden routeHidden route: the public cannot follow the funds through Zcash, but NEAR Intents handles both ends and could match them.

Anyone watching the chains can read

Your payment to NEAR Intents (swap in this app), with its amount and time
Zodl CrossPay (NEAR Intents)'s payout to the recipient, with its amount and time
That ZEC moved inside Zcash's shielded pool, and when; the amount and who holds it are not public there

Kept from them

Who holds the ZEC in between, and how it moved
Amounts inside Zcash's shielded pool

Who can tie you to the recipient

The public: cannot. The two swaps as separate events; Zcash hides the link between them
The service: can. NEAR Intents sees both ends: your payment and the payout to the recipient
The recipient: cannot. A payout from Zodl CrossPay (NEAR Intents), not your wallet
This app's server: cannot. Nothing about this plan: it stays in this browser and no request is made

Amounts

How much: hidden while held, public when it enters or leaves

Others who learn about the swap

NEAR Intents (swap in this app) and Zodl CrossPay (NEAR Intents) each learn the order they handle, and anything their terms require (identity checks can be asked for)
In this planner no request about the plan is sent to this app's server
This app's server relays your requests. It keeps no accounts or database and does not log API calls, but it sees them while they pass.

Cost

2 transactions you pay gas for
The real total comes from the live quote: spreads, network fees and any relayer or broadcaster fee are not in the figures above
NEAR Intents (swap in this app) and Zodl CrossPay (NEAR Intents) publish no fee, so they are not in the figures above. Network fees on the public legs and Zcash's own fee are not included, and a fee a service does not publish is left out: each shows its fee in its quote.

Wait

Swaps through NEAR Intents usually take a few minutes (Zodl's support pages). How many Zcash confirmations a wallet waits for was not checked.
You chose a gap of 24 hours between the swaps. A short gap is the easiest thing to match.

You are trusting

Who can take your funds: NEAR Intents (swap in this app) and Zodl CrossPay (NEAR Intents) each hold your funds while their swap runs; in between, you hold the ZEC yourself
Who can break the privacy: The one service that handles both ends
Who can stop it: Either service can delay, hold or refuse an order, and may ask for identity checks. A lost Zcash wallet seed cannot be recovered by anyone
How you get out: Before the first swap nothing is at risk. In between, the ZEC is yours and can be swapped at any service that takes it. A swap that fails refunds to the address you give it, and that may be a transparent one
Evidence: Fees and limits come from the services' published pages and from review sites, each dated and linked in the planner; none of the services has been audited here
Incident: 30 Sep to 1 Oct 2026: about $3.8M was taken from a NEAR Intents deposit vault on BNB Chain. NEAR attributed it to a bug and said users would be repaid (third-party report; cause not independently verified).
Incident: Reported by a complainant, not verified: $589,000 in USDT stayed frozen for 50 days after a Zodl swap through NEAR Intents, after NEAR's compliance clearance was revoked on 26 Aug 2026.

Risks of using it at all

May be reviewed
Most exchanges are reported to take only transparent Zcash deposits, so shielded ZEC may be refused there; some exchanges have delisted Zcash in some jurisdictions (reports conflict on which).
The money comes back as an ordinary asset from the swap service, so an exchange you deposit to sees funds from that service, not Zcash.
Rule: EU Regulation 2024/1624 (the AMLR), Article 79, applies from 10 July 2027: credit institutions, financial institutions and crypto-asset service providers may not keep accounts for coins designed to obscure transaction information, by default or through an optional feature. It binds those providers, not people holding their own coins (a secondary reading; check the text).
What you can do: Keep the ZEC in your own wallet and swap it out; do not plan to deposit shielded ZEC at an exchange. If the payout will go to a regulated exchange, ask its support first, or send a small amount.

Showing where it came from

You can show your own Zcash wallet's viewing key and the services' records. Each link has to be shown separately, and a viewing key cannot be taken back once shared.

Is it right for you?

I use exchanges or banks and need my money to stay acceptable to them: Think twice. Some exchanges and banks may review or hold funds that used this.
I want the link hidden as strongly as possible: Think twice. The public cannot link you, but a service named on the card still can.
I may need to show where my money came from: Think twice. You can share a read-only key, but it shows everything and cannot be taken back.
I want it cheap and quick: Good fit. The fees come from the live quote.

A refund on either swap may go to a transparent address and undo the hop (reported in 2026; nothing found confirms it is fixed). Whether the swap service accepts shielded and unified addresses is not confirmed: send a small amount first. This flow is done by you; this app holds nothing and moves nothing. Rules differ by country and this is not legal advice.

What you can do

Use a new recipient address for each swap: reusing one links your swaps to each other on any route.
Don't send to the wallet you paid from: that links source and destination again.