A method, comprising: executing, by at least one blockchain computing device in a blockchain network, a zero-knowledge proof, ZKP, smart contract in response to receiving a proof, a customer hash, a merchant hash, and a purchase amount from a merchant computing device during a payment process; executing, by the at least one blockchain computing device via the ZKP smart contract, a validate function, wherein the validate function is executed by inputting a verification key, the proof, and the customer hash into the validate function, wherein the validate function is associated with a ZKP algorithm, wherein the proof is generated by a customer computing device based at least in part on a proof function associated with the ZKP algorithm and in response to a payment purchase being initiated with the merchant computing device, wherein the proof function is executed by inputting a proving key, the customer hash, and a payment hash into the proof algorithm, and wherein the payment hash is generated by inputting customer identifying data and a customer nonce into a hashing algorithm; adjusting, by the at least one blockchain computing device via the ZKP smart contract, a customer account balance associated with the customer hash in response to the validate function passing, wherein the customer account balance is adjusted based on the purchase amount, and wherein the customer account balance is maintained on the blockchain network; adjusting, by the at least one blockchain computing device via the ZKP smart contract, a merchant account balance associated with the merchant hash, wherein the merchant account balance is adjusted based on the purchase amount, and wherein the merchant account balance is maintained on the blockchain network; and writing, by the at least one blockchain computing device via the ZKP smart contract, a success notification to the blockchain network in response to a consensus agreement among a plurality of blockchain computing devices in the blockchain network, wherein the success notification comprises data indicating that the payment process was successfully completed, and the at least one blockchain computing device being part of the plurality of computing devices. executing, by at least one blockchain computing device in a blockchain network, a zero-knowledge proof, ZKP, smart contract in response to receiving a proof, a customer hash, a merchant hash, and a purchase amount from a merchant computing device during a payment process; executing, by the at least one blockchain computing device via the ZKP smart contract, a validate function, wherein the validate function is executed by inputting a verification key, the proof, and the customer hash into the validate function, wherein the validate function is associated with a ZKP algorithm, wherein the proof is generated by a customer computing device based at least in part on a proof function associated with the ZKP algorithm and in response to a payment purchase being initiated with the merchant computing device, wherein the proof function is executed by inputting a proving key, the customer hash, and a payment hash into the proof algorithm, and wherein the payment hash is generated by inputting customer identifying data and a customer nonce into a hashing algorithm; adjusting, by the at least one blockchain computing device via the ZKP smart contract, a customer account balance associated with the customer hash in response to the validate function passing, wherein the customer account balance is adjusted based on the purchase amount, and wherein the customer account balance is maintained on the blockchain network; adjusting, by the at least one blockchain computing device via the ZKP smart contract, a merchant account balance associated with the merchant hash, wherein the merchant account balance is adjusted based on the purchase amount, and wherein the merchant account balance is maintained on the blockchain network; and writing, by the at least one blockchain computing device via the ZKP smart contract, a success notification to the blockchain network in response to a consensus agreement among a plurality of blockchain computing devices in the blockchain network, wherein the success notification comprises data indicating that the payment process was successfully completed, and the at least one blockchain computing device being part of the plurality of computing devices.