heimish Moringa Ceramide BB Cream SPF 30 Versus Dear, Klairs Illuminating Supple Blemish Cream SPF 40
What's inside
What's inside
Key Ingredients
Benefits
Concerns
Ingredients Side-by-side
Water
Skin ConditioningCyclopentasiloxane
EmollientTitanium Dioxide
Cosmetic ColorantZinc Oxide
Cosmetic ColorantGlycerin
HumectantPEG-10 Dimethicone
Skin ConditioningCaprylic/Capric Triglyceride
MaskingDipropylene Glycol
HumectantDimethicone
EmollientCetyl Ethylhexanoate
EmollientNiacinamide
SmoothingPolymethylsilsesquioxane
Disteardimonium Hectorite
StabilisingBetaine
HumectantMagnesium Sulfate
Sorbitan Sesquioleate
EmulsifyingCI 77492
Cosmetic ColorantSilica
Abrasive1,2-Hexanediol
Skin ConditioningDimethicone Crosspolymer
Emulsion StabilisingAcrylates/Dimethicone Copolymer
Skin ConditioningMoringa Oleifera Seed Oil
EmollientTriethoxycaprylylsilane
Candida Bombicola/Glucose/Methyl Rapeseedate Ferment
AntimicrobialGlycosyl Trehalose
Emulsion StabilisingPalmitic Acid
EmollientCI 77491
Cosmetic ColorantHydrogenated Starch Hydrolysate
HumectantCaprylyl Glycol
EmollientTocopheryl Acetate
AntioxidantEthylhexylglycerin
Skin ConditioningAluminum Hydroxide
EmollientCI 77499
Cosmetic ColorantHydrolyzed Hyaluronic Acid
HumectantPanthenol
Skin ConditioningAdenosine
Skin ConditioningArtemisia Vulgaris Oil
PerfumingCitrus Aurantium Amara Leaf/Twig Oil
MaskingLavandula Angustifolia Oil
MaskingLitsea Cubeba Fruit Oil
MaskingPrunus Persica Flower Extract
MoisturisingLaurus Nobilis Leaf Extract
MaskingCeramide NP
Skin ConditioningPropylene Glycol
HumectantPhytosphingosine
Skin ConditioningHydrogenated Lecithin
EmulsifyingMyristic Acid
CleansingStearic Acid
CleansingTocopherol
AntioxidantWater, Cyclopentasiloxane, Titanium Dioxide, Zinc Oxide, Glycerin, PEG-10 Dimethicone, Caprylic/Capric Triglyceride, Dipropylene Glycol, Dimethicone, Cetyl Ethylhexanoate, Niacinamide, Polymethylsilsesquioxane, Disteardimonium Hectorite, Betaine, Magnesium Sulfate, Sorbitan Sesquioleate, CI 77492, Silica, 1,2-Hexanediol, Dimethicone Crosspolymer, Acrylates/Dimethicone Copolymer, Moringa Oleifera Seed Oil, Triethoxycaprylylsilane, Candida Bombicola/Glucose/Methyl Rapeseedate Ferment, Glycosyl Trehalose, Palmitic Acid, CI 77491, Hydrogenated Starch Hydrolysate, Caprylyl Glycol, Tocopheryl Acetate, Ethylhexylglycerin, Aluminum Hydroxide, CI 77499, Hydrolyzed Hyaluronic Acid, Panthenol, Adenosine, Artemisia Vulgaris Oil, Citrus Aurantium Amara Leaf/Twig Oil, Lavandula Angustifolia Oil, Litsea Cubeba Fruit Oil, Prunus Persica Flower Extract, Laurus Nobilis Leaf Extract, Ceramide NP, Propylene Glycol, Phytosphingosine, Hydrogenated Lecithin, Myristic Acid, Stearic Acid, Tocopherol
Water
Skin ConditioningCyclopentasiloxane
EmollientButylene Glycol
HumectantEthylhexyl Methoxycinnamate
UV AbsorberBetaine
HumectantCetyl Ethylhexanoate
EmollientTitanium Dioxide
Cosmetic ColorantCaprylic/Capric Triglyceride
MaskingNiacinamide
SmoothingPolysorbate 60
EmulsifyingDimethicone
EmollientCetyl PEG/PPG-10/1 Dimethicone
EmulsifyingZinc Oxide
Cosmetic ColorantCI 77492
Cosmetic ColorantIsoamyl P-Methoxycinnamate
UV AbsorberDiethylamino Hydroxybenzoyl Hexyl Benzoate
UV FilterBentonite
AbsorbentSodium Chloride
MaskingSilica
AbrasiveCI 77491
Cosmetic ColorantBis-Ethylhexyloxyphenol Methoxyphenyl Triazine
Skin ConditioningStearic Acid
CleansingDimethicone/Vinyl Dimethicone Crosspolymer
Skin ConditioningChlorphenesin
AntimicrobialTalc
AbrasiveCI 77499
Cosmetic ColorantTocopheryl Acetate
AntioxidantParfum
MaskingCentella Asiatica Extract
CleansingSodium Hyaluronate
HumectantGlycyrrhiza Glabra Root Extract
BleachingPortulaca Oleracea Extract
Skin ConditioningIllicium Verum Fruit Extract
PerfumingCitrus Paradisi Fruit Extract
Skin ConditioningNelumbium Speciosum Flower Extract
Skin ConditioningPaeonia Suffruticosa Root Extract
Skin ProtectingScutellaria Baicalensis Root Extract
Astringent1,2-Hexanediol
Skin ConditioningCaprylyl Glycol
EmollientAdenosine
Skin ConditioningSodium Ascorbyl Phosphate
AntioxidantLinum Usitatissimum Seed Extract
PerfumingHibiscus Esculentus Fruit Extract
Skin ConditioningAloe Barbadensis Leaf Juice
Skin ConditioningArctium Lappa Root Extract
Skin ConditioningHibiscus Mutabilis Flower Extract
Skin ConditioningCorchorus Olitorius Leaf Extract
Skin ConditioningWater, Cyclopentasiloxane, Butylene Glycol, Ethylhexyl Methoxycinnamate, Betaine, Cetyl Ethylhexanoate, Titanium Dioxide, Caprylic/Capric Triglyceride, Niacinamide, Polysorbate 60, Dimethicone, Cetyl PEG/PPG-10/1 Dimethicone, Zinc Oxide, CI 77492, Isoamyl P-Methoxycinnamate, Diethylamino Hydroxybenzoyl Hexyl Benzoate, Bentonite, Sodium Chloride, Silica, CI 77491, Bis-Ethylhexyloxyphenol Methoxyphenyl Triazine, Stearic Acid, Dimethicone/Vinyl Dimethicone Crosspolymer, Chlorphenesin, Talc, CI 77499, Tocopheryl Acetate, Parfum, Centella Asiatica Extract, Sodium Hyaluronate, Glycyrrhiza Glabra Root Extract, Portulaca Oleracea Extract, Illicium Verum Fruit Extract, Citrus Paradisi Fruit Extract, Nelumbium Speciosum Flower Extract, Paeonia Suffruticosa Root Extract, Scutellaria Baicalensis Root Extract, 1,2-Hexanediol, Caprylyl Glycol, Adenosine, Sodium Ascorbyl Phosphate, Linum Usitatissimum Seed Extract, Hibiscus Esculentus Fruit Extract, Aloe Barbadensis Leaf Juice, Arctium Lappa Root Extract, Hibiscus Mutabilis Flower Extract, Corchorus Olitorius Leaf Extract
Reviews
Ingredients Explained
These ingredients are found in both products.
Ingredients higher up in an ingredient list are typically present in a larger amount.
1,2-Hexanediol is a synthetic liquid and another multi-functional powerhouse.Â
It is a:
- Humectant, drawing moisture into the skin
- Emollient, helping to soften skin
- Solvent, dispersing and stabilizing formulas
- Preservative booster, enhancing the antimicrobial activity of other preservativesÂ
Adenosine is a purine nucleoside that your body already makes in every cell. In skincare, it acts mainly as a skin conditioning and anti-aging agent.
The way it works is fairly well mapped out:
Your skin has cells called fibroblasts that build collagen (the stuff that keeps skin firm and smooth). Adenosine basically flips a switch on these cells that tells them to get to work making more collagen and other proteins. These cells slow down on their own as skin ages, so Adenosine helps give them a little nudge to keep going.
The clinical backing is pretty solid too.
A blind, randomized, placebo-controlled trial of 126 women aged 45-65 tested a 0.1% cream twice daily and found real improvements in crow's feet and frown lines using a precise 3D skin-mapping technique; these changes showed up by week 3 and held at 2 months.
A later study using Adenosine-loaded dissolving microneedle patches reported gains in wrinkle depth, dermal density, elasticity, and hydration.
On concentrations, South Korea's Ministry of Food and Drug Safety has set 0.04% as the approved functional anti-wrinkle level. You'll typically see this ingredient used somewhere in the 0.04-0.1% range since it works at low doses.
This ingredient has been found safe for cosmetics with the data showing no irritation or sensitization.
Overall, this is a great ingredient for any anti-aging routine and has no photosensitizing effect, so it suits both AM and PM use.
Learn more about AdenosineBetaine is a humectant. Like hyaluronic acid, it helps attract and retain moisture in the skin. It’s known for being gentle and for helping the skin maintain balanced hydration.
Betaine is mainly used to improve hydration and support calmer skin. It helps skin cells regulate water balance because it functions as an osmolyte.
Some studies suggest betaine may support making skin tone more even.
Fun fact: Betaine naturally exists in the skin and the body. In cosmetic products, it can be either plant-derived (most commonly from sugar beets) or synthetically produced for consistency and stability.
Betaine is also known as trimethylglycine.
Learn more about BetaineCaprylic/Capric Triglyceride (aka MCT Oil) is a lightweight emollient, solvent, and texture enhancer. It is considered a skin-softener by helping to prevent moisture loss.
Though it behaves like an oil, it is not technically one due to its chemical composition. One perk of this ingredient is that it is very stable, resistant to oxidation, and unlikely to go rancid.
In practice, that translates to a long shelf life and a consistently elegant skin feel.
While there is an assumption Caprylic Triglyceride can clog pores due to it being derived from coconut oil, there is no research supporting this. Just patch test if you have concerns.
Fractionated coconut oil and MCT Oil are both listed as Caprylic/Capric Triglyceride according to INCI. This is because INCI names are based on the ingredient’s final chemical composition and not its marketing name or source.
This ingredient is treated as the gold standard fungal acne safe oil. Even though it is coconut derived, the problematic lauric acid is stripped out.
This leaves just caprylic (C8) and capric (C10) acid. These chain lengths actually trend antifungal; a 2020 study found caprylic acid was enough to disrupt Malassezia furfur cell membrane, with a caprylic acid derivative damaging membrane structures at concentrations as low as 0.2%.
Learn more about Caprylic/Capric TriglycerideCaprylyl Glycol is a humectant, skin conditioner, emollient, and preservative booster derived from either caprylic acid or synthetically created.
Typical use levels vary from 0.3-1% as a preservative booster and go up to 2% to condition skin.
Because it is not a free-fatty acid, this ingredient is fungal acne safe (there's nothing for Malassezia to feed on).
Learn more about Caprylyl GlycolCetyl Ethylhexanoate is an emollient ester. It comes from cetearyl alcohol and 2-ethylhexanoic acid.
Cetyl Ethylhexanoate is an emollient that adds a velvety feel to skin without being greasy or oily. Emollients help trap moisture into your skin, keeping your skin soft and hydrated.
Ci 77491 is also hydrated iron III oxide. It's sole purpose is to give a red/pink hue to products.
Iron III oxides are classified as inorganic chemicals for coloring.
Synthetically created Ci 77491 is considered safer than those naturally found. This is because the synthetically created version may contain less impurities. Iron oxides are generally non-toxic and non-allergenic.
Learn more about CI 77491CI 77492 is also hydrated iron III oxide. It's sole purpose is to give a yellow hue to products.
Iron III oxides are classified as inorganic chemicals for coloring.
Synthetically created CI 77492 is considered safer than those naturally found. This is because the synthetically created version may contain less impurities. Iron oxides are generally non-toxic and non-allergenic.
Learn more about CI 77492Ci 77499 is also hydrated iron III oxide. It is created from mixing red and black iron oxides. This helps give shades of darkness to a product.
Iron III oxides are classified as inorganic chemicals for coloring.
Cyclopentasiloxane (D5) is a lightweight silicone that mostly acts as an emollient and solvent in cosmetics. Its the reason your products feel silky, fast-spreading, and non-greasy.
Since D5 is volatile, it does its thing and then evaporates off the skin quickly.
The safety profile of this ingredient is reassuring; the US CIR Expert Panel concluded D5 is safe as used in cosmetics and Health Canada concluded that D5 is not harmful to human health or the environment as currently used in cosmetics
There's a study that people mention about D5 in a rat study showing tumors. This study is related to long-term inhalation of high D5 levels.
Regulatory bodies have judged this study to be not applicable in topical skincare since skin absorption of D5 is very low and we're not really inhaling huge amounts of D5.
The only restriction for this ingredient is environmental. The European Chemicals Agency (ECHA) restricted D5 in wash-off cosmetics at or above 0.1% due to their persistence in water.
Learn more about CyclopentasiloxaneDimethicone is a type of synthetic silicone created from natural materials such as quartz. It is also known as polydimethylsiloxane.
What it does:
Dimethicone comes in different viscosities:
Depending on the viscosity, dimethicone has different properties.
Ingredients lists don't always show which type is used, so we recommend reaching out to the brand if you have questions about the viscosity.
This ingredient is unlikely to cause irritation because it does not get absorbed into skin. However, people with silicone allergies should be careful about using this ingredient.
Note: Dimethicone may contribute to pilling. This is because it is not oil or water soluble, so pilling may occur when layered with products. When mixed with heavy oils in a formula, the outcome is also quite greasy.
Learn more about DimethiconeNiacinamide is a multitasking form of vitamin B3 that strengthens the skin barrier, reduces pores and dark spots, regulates oil, and improves signs of aging.
And the best part? It's gentle and well-tolerated by most skin types, including sensitive and reactive skin.
You might have heard of "niacin flush", or the reddening of skin that causes itchiness. Niacinamide has not been found to cause this.
In very rare cases, some individuals may not be able to tolerate niacinamide at all or experience an allergic reaction to it.
If you are experiencing flaking, irritation, and dryness with this ingredient, be sure to double check all your products as this ingredient can be found in all categories of skincare.
When incorporating niacinamide into your routine, look out for concentration amounts. Typically, 5% niacinamide provides benefits such as fading dark spots. However, if you have sensitive skin, it is better to begin with a smaller concentration.
When you apply niacinamide to your skin, your body converts it into nicotinamide adenine dinucleotide (NAD). NAD is an essential coenzyme that is already found in your cells as "fuel" and powers countless biological processes.
In your skin, NAD helps repair cell damage, produce new healthy cells, support collagen production, strengthen the skin barrier, and fight environmental stressors (like UV and pollution).
Our natural NAD levels start to decline with age, leading to slower skin repair, visible aging, and a weaker skin barrier. By providing your skin niacinamide, you're recharging your skin's NAD levels. This leads to stronger, healthier, and younger looking skin.
Another name for vitamin B3 is nicotinamide. This vitamin is water-soluble and our bodies don't store it. We obtain Vitamin B3 from either food or skincare. Meat, fish, wheat, yeast, and leafy greens contain vitamin B3.
The type of niacinamide used in skincare is synthetically created.
Learn more about NiacinamideSilica, also known as silicon dioxide, is a naturally occurring mineral. It is used as a fine, spherical, and porous powder in cosmetics.
Though it has exfoliant properties, the function of silica varies depending on the product.
The unique structure of silica enhances the spreadability and adds smoothness, making it a great texture enhancer.
It is also used as an active carrier, emulsifier, and mattifier due to its ability to absorb excess oil.
In some products, tiny microneedles called spicules are made from silica or hydrolyzed sponge. When you rub them in, they lightly polish away dead skin layers and enhance the penetration of active ingredients.
Learn more about SilicaStearic Acid is a fatty acid that is already found in your skin. It's one of the free fatty acids that works alongside ceramides and cholesterols to maintain your barrier.
In cosmetics, it is a multitasker:
Safety-wise, the CIR Expert Panel has concluded it to be safe in cosmetics when formulated to be non-irritating and non-sensitizing.
Free stearic acid is a C18 fatty acid that the Malassezia yeast can substrate, so this ingredient may not be fungal acne safe.
Learn more about Stearic AcidTitanium Dioxide (TD) is a mineral UV filter widely used in sunscreens and cosmetics.
It's one of only two UV filters officially classified as "mineral" by regulatory agencies (the other being Zinc Oxide).
A really common myth is that mineral filters work by reflecting UV light off your skin like tiny mirrors.
They don't only do that; modern research shows TD protects mostly by absorbing UV radiation, the same way chemical filters do.
When researchers measured this, reflection accounted for only about 4-5% of the protection (and less than SPF 2 on its own). The other ~95% comes from absorption: the UV photons hit the particle and their energy gets soaked up by its semiconductor band gap rather than bouncing off.
So "reflects vs. absorbs" was never really the right way to split mineral from chemical filters.
TD gives broad-spectrum protection that's strongest in the UVB and UVA-2 range and weaker in the UVA-1 range. Its UVA protection isn't quite as strong as Zinc Oxide's which is why you'll often see the two paired together.
Together, they make a solid broad-spectrum system.
TD is a great pick for sensitive, acne-prone, or redness-prone skin because it's non-irritating and chemically inert. Regulatory reviews classify it as a non-sensitizer and mild-to-non-irritant.
It's also unlikely to cause the "eye sting" some chemical filters are known for.
The main trade-off is cosmetic; TD can leave a white cast and has a thicker texture. This is why mineral sunscreens are often less cosmetically elegant than chemical or hybrid formulas (and harder to shade-match on deeper skin tones).
Formulators often use micronized or nano-sized TD to cut down on white case and improve spreadability. Smaller particles scatter less visible light so the formula looks less chalky while still filtering UV.
TD is almost always bundled with coatings like Alumina, Silica, Stearic Acid, or Dimethicone. These coatings do two important jobs:
TD can be used at up to 25% in a finished sunscreen; this is the regulatory ceiling in both the US and the EU.
In practice, the amount in any given product varies a lot depending on the target SPF and whether it's paired with other UV filters.
TD is one of the most heavily vetted sunscreen ingredients out there. It is approved as a UV filter in all major markets worldwide, including the US, EU, UK, Japan, Korea, China, Australia, and Canada.
The safety evidence is solid. There was an old worry that nano particles might absorb through skin into the body but multiple studies (including on damaged, sunburned, and UV-irradiated skin) have shown that TD stays on the surface and the layer of dead skin cells on top of everything else.
There's also no evidence of carcinogenicity, mutagenicity, or reproductive toxicity from dermal exposure of this ingredient.
For those who have seen the headline about a 2022 EU ban on TD, that was on TD as a food additive (a complete separate use from topical sunscreen).
There are ongoing questions about how nano-TD might affect marine ecosystems. As of now, there has been no conclusive evidence that any form of TD (or any other sunscreen filter) harms coral reefs or marine life.
The science is still developing and it's a space worth watching rather than packing over.
However, several destinations have reef-safety sunscreen rules that restrict certain chemical filters and steer visitors toward mineral, non-nano options. If you're traveling somewhere with these rules, a non-nano mineral sunscreen is the safe bet.
Learn more about Titanium DioxideTocopheryl Acetate is a stable, shelf-friendly form of vitamin E.
Formulators love it because plain vitamin E oxidizes quickly once it hits air. This acetate version stays stable and resists going off, helping to extend a product's shelf life.
It's actually inactive on its own and works like a slow-release "storage" form; the enzymes in your skin called esterases gradually convert it into active vitamin E over time.
One in vivo study showed 5% of the acetate in the living layer of the epidermis converted to vitamin E after 5 days of application. This study also found the skin gained protection against UV damage even though the conversion was slow and small.
Once converted, vitamin E acts as a skin's main fat-soluble antioxidant that fights free radicals to protect skin from damage.
Topical vitamin E generally boosts the skin's photoprotection, and it reduced UV-damage in animal models.
This ingredient has some brightening potential but it's more of a prevention ingredient than spot-fader. Cell studies show it can slow down melanin production but it's worth noting that it's not the most powerful brightener out there.
Overall, it has a pretty solid safety profile and has been found to be non-irritating and non-comedogenic. Allergic reactions may happen but stay rare due to how widely the ingredient gets used.
The concentration will vary depending on the formula; industry data shows 0.1% in baby lotions, 3% in lipsticks, and 5% in foot powders. You can also find this ingredient at 100% in a pure vitamin E oil.
Most leave-on skincare keeps it at the lower end, often between 0.5-1%.
Learn more about Tocopheryl AcetateWater. It's the most common cosmetic ingredient of all. You'll usually see it at the top of ingredient lists, meaning that it makes up the largest part of the product.
So why is it so popular? Water most often acts as a solvent - this means that it helps dissolve other ingredients into the formulation.
You'll also recognize water as that liquid we all need to stay alive. If you see this, drink a glass of water. Remember to stay hydrated!
Learn more about WaterZinc Oxide (ZO) is a mineral broad-spectrum UV filter and the broadest-spectrum filter recognized by the FDA. It covers everything from UVB through to long-wave UVA.
On top of sun protection, it has skin protectant and skin-soothing properties too.
Here's a myth worth busting: mineral filters are usually described as working by "reflecting" or "bouncing" UV off your skin.
That's mostly not true: when researchers actually measured it, ZO and Titanium Dioxide reflect only about 4-5% of UV (less than SPF 2 worth of protection).
The vast majority of the work (~95%) is done by absorption, similar to chemical UV filters. ZO is a semiconductor that absorbs UV photos through its energy band gap.
So the old "physical blocker vs. chemical absorber" framing is really an oversimplification.
Zinc Oxide is one of the most effective broad-spectrum UV filters out there. It protects across UVB, UVA2, and UVA1 with a flat, even absorption curve across the whole UVA-UVB range.
That uniform UVA coverage is its standout feature; titanium dioxide skews more toward UVB as its particle size drops so ZO gives more consistent and extended UVA protection.
It's also very photostable. As an inorganic oxide, ZO doesn't break down in sunlight the way some organic filters can, so it holds up over a day of wear.
This ingredient is gentle and soothing, making it go-to for sunscreens aimed at sensitive skin, rosacea, or ecezma-prone skin, babies, and children.
It's also unlikely to cause the "eye sting" that some sunscreen ingredients are known for, and regulatory agencies broadly consider it non-toxic and safe for topical use.
Beyond sun protection, ZO is also a recognized OTC skin protectant. It forms a breathable barrier that shields skin from moisture and irritation while supporting healing. This is why you'll see it as a classic active in diaper rash creams.
The only downside to ZO is that it can leave a visible white cast, especially on deeper skin tones. This is the main reason mineral sunscreens have historically felt less cosmetically elegant than chemical or hybrid formulas.
Zinc Oxide comes in both non-nano and nano forms. The dividing line is 100nm and anything under is classified as a nanomaterial by the EU.
The nano version scatters less visible light which cuts down white case and gives a lighter, more wearable texture.
Another thing worth understanding about formulation:
Uncoated ZO has some inherent photocatalytic activity. This just means it can generate reactive oxygen species under UV. It's exactly why cosmetic-grade ZO is almost always surface-coated; this coating suppresses that reactivity and improves how the powder disperses and feels.
A well-formulated coated ZO largely sidesteps this issue.
Zinc Oxide is commonly used anywhere from 10% up to the regulatory maximum in sunscreens (25%).
Mineral-only broad-spectrum products often land in the 15-25% range to hit higher SPF and UVA values. Keep in mind SPF performance depends heavily on particle size, dispersion, and the rest of the formula, and not just the percentage.
As an OTC skin protectant like diaper creams, ZO typically runs higher at roughly 10-40%.
This ingredient is generally easy to work with and doesn't photodegrade.
The only thing to know is that uncoated ZO can be a bit reactive in a formula.
Under UV, it can break down sensitive ingredients like other actives or UV filters. This is another reason coated versions are standard. ZO can also react with very acidic ingredients or throw off stability of some creams. A good formula will get around this with the right coatings and dispersion.
The EU's Scientific Committee on Consumer Safety has concluded that ZO nanoparticles "can be considered to not pose any risk of adverse effects in humans after application on healthy, intact or sunburnt skin".
You might hear that ZO is "toxic"; this is because an in-vitro (test tube) study suggested micronized ZO had potential phototoxicity. In vivo (human) investigations have disputed this and the results have come back reassuring.
So does ZO penetrate skin? The short answer is no, not in any way that matters.
The most relevant evidence comes from real-world human studies: in one, volunteers applied ZO nanoparticle sunscreen hourly for six hours and daily for five days. The advanced imaging showed the particles stayed on the surface and never reached the living epidermis, and no cellular toxicity was found.
Other in-vivo and ex-vivo work agree; ZO nanoparticles don't cross the stratum corneum, even on flexed, massaged, or barrier-impaired skin.
A small amount of solubilized zinc ions can dissolve off the particles and enter the upper skin. But the quantities are tiny compared to the zinc already naturally present in your body, and studies haven't found this to cause local toxicity.
The sunscreen bans you've heard of (like Hawaii's) are aimed at two chemical filters, Oxybenzone and Octinoxate. ZO itself it not banned and is often recommended instead.
So far, there's no solid evidence that any form of ZO harms reefs. It is an ongoing and active area of study, and worth keeping an eye on.
If you're traveling somewhere with these rules, a non-nano mineral sunscreen is the safe bet.
Learn more about Zinc Oxide