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Concordium

CCD · Field entry
IdentityPayments & moneyInfrastructurePrivacy

A layer-1 blockchain where every account is tied to a verified, privately held identity

By

$0.0032650.19%Snapshot · October 20, 2026 · updates live
Market cap
$41.65M
24h volume
$269,361
Rank
#523
Circulating
12.76B CCD
Max supply
No fixed cap
All-time high
$0.1494 February 10, 2022

CCD price chart

7-day snapshot. Chart data from CoinGecko.

What is Concordium?

Concordium is a proof-of-stake blockchain, live since June 2021, that requires every account to be backed by an identity checked by an approved third-party provider. Personal details stay off-chain, and users prove facts such as age or residency with zero-knowledge proofs instead of sharing documents. CCD pays fees, which are priced in euros, and is staked to secure the network.

Utility Lens

What Concordium actually does

Gives apps, payments and AI agents a way to confirm a verified, accountable person stands behind an account without exposing that person's details.

Real-world usage
earlyThe chain and its identity layer have run since 2021, and new integrations are arriving in 2026, but verifiable usage is still modest.
Token necessity
integralCCD pays transaction fees and secures the network through staking, though sponsored transactions let some users and agents avoid holding it.
Decentralization
moderateValidators need to stake at least 500,000 CCD and pools are capped at 5% of total stake, but identity issuance depends on a small set of approved providers.
Track record
provenMainnet launched in June 2021; in October 2024 the network removed its little-used shielded transfer feature, and we found no record of a major hack.

How we rate

What it’s used for

People use Concordium to send CCD and stablecoins and to prove attributes such as age to services. In 2026 the project focused on verifying AI agents: XDC Network chose it to badge agents on its XDC AI marketplace, and Concordium's Verify & Access tools went live in the Bitcoin.com Wallet. Validators and delegators stake CCD for rewards.

Role of the CCD token:

gasstaking securitygovernance

Evidence of real use

Privacy: what’s hidden, what isn’t

Privacy model
app-level
What it hides
Your real-world identity and personal details from other users and services, which only see the specific attributes you choose to prove.
What stays visible
Account addresses, balances, transfer amounts and timing are public on-chain; shielded transfers were disabled in 2024.
Reality check
Concordium offers identity privacy, not transaction privacy: transfers are public, and court-ordered disclosure can link an account to a person. The design is aimed at regulatory compliance, and exchanges including Kraken and Uphold list CCD.

Privacy coins, explained

How Concordium works

Before you can open an account on Concordium, an approved identity provider checks your documents off-chain and issues an identity object to your wallet. The provider keeps the verification records; the blockchain stores only encrypted links. Your accounts can then prove selected facts, such as being over 18 or living in a certain country, with zero-knowledge proofs, so a service learns the answer without seeing your name or birth date.

Identity is private by default but not anonymous. If an authority obtains a court order in the jurisdiction of Concordium's "Privacy Guardians" and a second order where the identity provider is based, those parties can jointly decrypt which identity sits behind an account. The project describes this as privacy with accountability, and it pitches the same model to verify the human or business behind an AI agent.

Concordium uses proof-of-stake. Validators must stake at least 500,000 CCD, and holders can delegate to a validator's pool or choose passive delegation that spreads stake across all pools. Fees are set in euros and converted to CCD, so costs stay predictable. The network once offered shielded transfers that hid amounts, but Protocol 7 disabled them in October 2024, citing low use; earlier shielded funds can still be unshielded.

Key moments

  1. 2021Concordium's mainnet launches in June with 10 billion CCD created in the genesis block.
  2. 2024Protocol 7 takes effect on mainnet on October 30, disabling new shielded transfers.
  3. 2025Kraken opens CCD funding and trading on July 24.
  4. 2026Uphold lists CCD, Verify & Access goes live in the Bitcoin.com Wallet, and XDC Network adopts Concordium for agent verification.

Supply

Ten billion CCD were created at genesis. New CCD are minted daily at about 4% a year, with a long-term goal of 2%, and paid to validators and delegators; the mint rate is meant to fall as transaction fees grow. There is no fixed maximum supply.

Risks to understand

  • Your identity is linked to your accounts and can be revealed under court orders, so this is not a tool for anonymity.
  • The identity layer depends on a small number of approved identity providers and Privacy Guardians.
  • The project's focus has shifted over time, from payments to AI-agent identity, and its newer products are still early.
  • Ongoing inflation adds supply each year.
  • Trading volume is thinner than on larger networks, which can widen spreads.

Concordium FAQ

Is Concordium a privacy coin?

No. Transfers are public and accounts are tied to verified identities. Its privacy feature is that personal details stay off-chain and you can prove facts without revealing them.

Can anyone see who owns my Concordium account?

Not by default. According to Concordium's docs, an identity can only be disclosed through a court-ordered process involving its Privacy Guardians and the identity provider.

Why are fees priced in euros?

The network sets transaction costs in EUR and converts them to CCD, so businesses can predict costs even when the CCD price moves.

Sources

  1. Identity framework on Concordium — Concordium Docs
  2. Concordium tokenomics system — Concordium Docs
  3. Protocol Update 7 — Concordium
  4. Glossary of Concordium terms — Concordium Docs
  5. Concordium is the identity verification layer for XDC AI agents — Concordium
  6. Concordium monthly update, April 2026 — Concordium
  7. CCD is available for trading — Kraken
  8. Where is Kraken licensed or regulated? — Kraken

Last reviewed October 20, 2026. Written by . Utility Lens ratings are editorial judgments, not investment advice. Market data from CoinGecko. Spot an error? Request a correction.

About the author

Dave McNaught has worked in IT since 1999 and founded All Business Technologies (ABT) in 2003, a Boston-area firm providing Managed IT, Cybersecurity, Managed AI, Web Design and App Development. He publishes The Crypto Guide.

Full bio