The Next Generation of Savings Needs a New Foundation

The world is changing, and with it the way people think about saving. Inflation, currency debasement, ageing populations, global mobility, and increasingly digital lifestyles all demand savings products that are resilient, transparent, and capable of storing value over decades, not banking cycles.

Public blockchains offer exactly this foundation:

• A permanent, non-alterable ledger that protects savings from manipulation and offers the choice to keep self-custody.

• Decentralized infrastructure that reduces single-point failure, liquidation or bankruptcy risk.

• Global, interoperable money rails that integrate naturally with emerging technologies, especially AI.

• Machine-to-machine payments that operate automatically, reliably, and without borders.

This creates a powerful basis for designing structured long-term savings products that preserve the store-of-value function of money.

However, there is a fundamental problem that has not yet been solved.

Public blockchains were not built with identity or privacy in mind, and both are essential for real-world financial applications.

This is the gap Midnight is designed to solve, and why urble is building with them.

The Promise of Public Blockchains for Long-Term Savings

Public blockchains offer structural advantages that traditional finance cannot match.

1. Transparency with Guarantees

Public blockchains provide a permanent, tamper-proof ledger. Transactions cannot be altered, deleted, or hidden. For long-term savings, this means:

• no backdating or off-book movements,

• no reliance on a bank’s internal systems,

• no ambiguity about balances or history.

The security of savings comes from verifiable public data, not institutional reporting.

2. Decentralized Resilience

A decentralized network does not depend on the solvency or stability of a single institution. Its security comes from cryptographic guarantees and distributed consensus, ensuring the system continues to operate even if individual participants fail.

With no central point of failure, funds remain accessible and protected over long periods, a core requirement for meaningful long-term savings.

3. Compatibility with the Next Era: AI and Automation

As AI takes over workflows and decision-making, savings products must be:

• programmable,

• interoperable,

• and machine-readable.

Public blockchains offer global, permissionless rails that support machine-to-machine payments and automated financial logic, something private systems cannot provide.

The Two Missing Pieces: Identity and Privacy

Despite these strengths, public blockchains were never designed to handle two essential components of real-world finance: identity and privacy. Addresses are anonymous, and transactions are publicly visible.

This creates two problems:

• individuals and families do not want their savings activity exposed,

• institutions cannot operate on open blockchains without revealing strategies or sensitive data.

This has historically pushed many enterprises toward private blockchains which reintroduce centralization, reduce interoperability, and remove the very guarantees that make public blockchains powerful in the first place.

This is exactly where Midnight enters the picture.

Midnight: the Missing Layer for Privacy and Identity

Rational Privacy and Selective Disclosure

Midnight introduces a new concept: rational privacy. It allows people and institutions to:

• remain private by default,

• disclose information only when required,

• prove facts without exposing personal data,

• combine identity with privacy safely.

This is achieved through zero-knowledge proofs, smart contracts designed for privacy, and a flexible model of selective disclosure.

For long-term savings, this is precisely what is needed.

Why urble Is Building with Midnight

urble’s mission is simple: Make saving simple, social, and secure, for decades.

To achieve this, urble needs infrastructure that is:

• public (for security and longevity),

• decentralized (for resilience),

• private (for real-world financial use),

• identity-compatible (to define ownership and access),

• future-ready (for AI and automated payments).

Midnight provides this combination.

With Midnight, urble can:

• create shared savings accounts without exposing balances,

• enable AI-powered savings automation without sacrificing privacy,

• offer rules-based payouts that remain private to participants,

• support institutional partners who require selective disclosure,

• guarantee long-term scalability without relying on centralized intermediaries.

This is the missing piece that allows urble to build Smart Saving for the next generation.

Our Collaboration with Midnight

urble is working closely with Midnight to develop the core components needed for modern, privacy-preserving savings products. Together, we are building smart contracts that protect sensitive information while still enabling transparent savings logic. We are also designing mechanisms for selective disclosure, allowing users to prove what is necessary without revealing more than they should.

In addition, we are exploring how personal and shared contributions to savings plans can remain private, how accounts can be linked to identity without exposing it, and how automated payments, including future machine-to-machine transactions can operate securely on privacy-enabled rails.

These elements form the foundation for financial products that are transparent in their logic, private in their details, global in reach, and durable by design.

This collaboration helps us designing such solutions that define the next generation of financial systems.

The NIGHT Token Launch: A Milestone for the Network

Midnight’s NIGHT token launches this Tuesday. For urble, this is more than a token event. It is a major step in the development of infrastructure that will support privacy-enabled, future-proof savings products.

👉 Learn more about the NIGHT token launch here:

A Future Built on Logic, Privacy, and Trust

The financial system of the future must be:

• global,

• programmable,

• privacy-preserving,

• secure for decades,

• compatible with people and machines.

Public blockchains offer the foundation. Midnight provides the privacy and identity layer, and urble brings the human experience on top.

Together, they enable a new generation of savings: Transparent in rules, private in details, and resilient for the long term.