IOUNet — Privacy by Zero-Crossing

Each coloured line = one user’s net ⊙ position over time  ·  same IOU amounts, same receivers, same random senders — only the record-keeping differs
A · CONVENTIONAL — random sender, full history
Sender chosen uniformly at random · all records kept forever
min
max
mean
SD
crossings
live records
IOUs
IOUs/s
B · IOUNet — same senders, history erased at zero-crossings
Identical random sender selection · records permanently deleted when balance crosses zero
min
max
mean
SD
crossings
live records
IOUs
IOUs/s
debt eliminated
What you’re watching: Both panels receive the same IOUs — identical amounts, identical recipients, identical senders, tick by tick. The only difference is what happens to the records.

Panel A is a conventional system: every record stored forever. Lines drift away from zero and stay there.

Panel B applies one IOUNet rule: zero-crossing erasure. When a user’s net balance crosses zero, their prior records have cancelled mathematically — those IOUs are permanently deleted. In the chart you can see each line reset to zero at the moment of cancellation, with only the post-crossing history visible. The live records stat shows how much history has already been destroyed.

Privacy is not a policy promise. It is a mathematical consequence of settlement. The records self-destruct because the debt cancelled.