Zero Knowledge Proof for SNAP (Standar Nasional OPEN API Pembayaran) in Indonesia

SNAP (Standar Nasional OPEN API Pembayaran) is an implementation of open banking for encouraging digital transformation in the industry. was submitted by several sub-working groups formed jointly ASPI and Bank Indonesia. In document Pedoman Tata Kelola (Bank Indonesia, n.d.), there already a customer data protection mechanism between bank, owner Open API, user API. However, no process carried out consumers so third parties, that use do not need to know customer's data. Based on web3 protocol, users can store transmit only encrypted form which be opened calculating with pre-agreed smart contract. Banks work like decentralized network web3, where proof witness bank. Proof are calculated using zero-knowledge making it difficult duplicate. For this reason, we propose new architecture contracts banks customers ZK-SNARK method. Therefore, significant performance difference without call process.