ma:nyo Panthe-Calming Sun Cream SPF 50+ PA ++++ Versus Numbuzin No.3 Porcelain Base-Skip Tone Up SPF 50+
What's inside
What's inside
Key Ingredients
Benefits
Ingredients Side-by-side
Water
Skin ConditioningZinc Oxide
Cosmetic ColorantCyclohexasiloxane
EmollientButyloctyl Salicylate
Skin ConditioningPanthenol 5%
Skin ConditioningPropanediol
SolventPropylheptyl Caprylate
EmollientIsododecane
EmollientPolyglyceryl-3 Polydimethylsiloxyethyl Dimethicone
Skin ConditioningNiacinamide
SmoothingCaprylyl Methicone
Skin ConditioningCentella Asiatica Extract
CleansingButylene Glycol
HumectantArtemisia Capillaris Extract
Houttuynia Cordata Extract
Skin ConditioningMelaleuca Alternifolia Leaf Extract
PerfumingHydrogenated Lecithin
EmulsifyingGlycerin
HumectantAloe Ferox Leaf Extract
Skin ConditioningCamellia Sinensis Leaf Extract
AntimicrobialFicus Carica Fruit Extract
HumectantCaprylyl Glycol
EmollientTriethoxycaprylylsilane
1,2-Hexanediol
Skin ConditioningPolyglyceryl-2 Dipolyhydroxystearate
Skin ConditioningLauryl Polyglyceryl-3 Polydimethylsiloxyethyl Dimethicone
Skin ConditioningCeramide NP
Skin ConditioningGlyceryl Caprylate
EmollientTocopherol
AntioxidantDisteardimonium Hectorite
StabilisingMagnesium Sulfate
Polymethylsilsesquioxane
Ethylhexylglycerin
Skin ConditioningAdenosine
Skin ConditioningWater, Zinc Oxide, Cyclohexasiloxane, Butyloctyl Salicylate, Panthenol 5%, Propanediol, Propylheptyl Caprylate, Isododecane, Polyglyceryl-3 Polydimethylsiloxyethyl Dimethicone, Niacinamide, Caprylyl Methicone, Centella Asiatica Extract, Butylene Glycol, Artemisia Capillaris Extract, Houttuynia Cordata Extract, Melaleuca Alternifolia Leaf Extract, Hydrogenated Lecithin, Glycerin, Aloe Ferox Leaf Extract, Camellia Sinensis Leaf Extract, Ficus Carica Fruit Extract, Caprylyl Glycol, Triethoxycaprylylsilane, 1,2-Hexanediol, Polyglyceryl-2 Dipolyhydroxystearate, Lauryl Polyglyceryl-3 Polydimethylsiloxyethyl Dimethicone, Ceramide NP, Glyceryl Caprylate, Tocopherol, Disteardimonium Hectorite, Magnesium Sulfate, Polymethylsilsesquioxane, Ethylhexylglycerin, Adenosine
Water
Skin ConditioningZinc Oxide
Cosmetic ColorantCyclohexasiloxane
EmollientPropanediol
SolventPropylheptyl Caprylate
EmollientCaprylyl Methicone
Skin ConditioningTrimethylsiloxysilicate
EmollientPolyglyceryl-3 Polydimethylsiloxyethyl Dimethicone
Skin ConditioningTitanium Dioxide
Cosmetic ColorantNiacinamide
SmoothingDisiloxane
Skin ConditioningButyloctyl Salicylate
Skin ConditioningCentella Asiatica Extract
CleansingPolygonum Cuspidatum Root Extract
AntioxidantScutellaria Baicalensis Root Extract
AstringentCamellia Sinensis Leaf Extract
AntimicrobialRosmarinus Officinalis Leaf Extract
AntimicrobialChamomilla Recutita Flower Extract
MaskingArtemisia Capillaris Extract
Glycyrrhiza Glabra Root Extract
BleachingHouttuynia Cordata Extract
Skin ConditioningMelaleuca Alternifolia Leaf Extract
PerfumingRosmarinus Officinalis Leaf Oil
MaskingDisteardimonium Hectorite
StabilisingMagnesium Sulfate
Triethoxycaprylylsilane
1,2-Hexanediol
Skin ConditioningPolyglyceryl-2 Dipolyhydroxystearate
Skin ConditioningLauryl Polyglyceryl-3 Polydimethylsiloxyethyl Dimethicone
Skin ConditioningMethyl Methacrylate Crosspolymer
Polymethylsilsesquioxane
Dicaprylyl Carbonate
EmollientGlyceryl Caprylate
EmollientCaprylyl Glycol
EmollientMica
Cosmetic ColorantAluminum Hydroxide
EmollientEthylhexylglycerin
Skin ConditioningPerfluorooctyl Triethoxysilane
Tocopherol
AntioxidantButylene Glycol
HumectantPentylene Glycol
Skin ConditioningCI 77492
Cosmetic ColorantCI 77491
Cosmetic ColorantCI 77499
Cosmetic ColorantWater, Zinc Oxide, Cyclohexasiloxane, Propanediol, Propylheptyl Caprylate, Caprylyl Methicone, Trimethylsiloxysilicate, Polyglyceryl-3 Polydimethylsiloxyethyl Dimethicone, Titanium Dioxide, Niacinamide, Disiloxane, Butyloctyl Salicylate, Centella Asiatica Extract, Polygonum Cuspidatum Root Extract, Scutellaria Baicalensis Root Extract, Camellia Sinensis Leaf Extract, Rosmarinus Officinalis Leaf Extract, Chamomilla Recutita Flower Extract, Artemisia Capillaris Extract, Glycyrrhiza Glabra Root Extract, Houttuynia Cordata Extract, Melaleuca Alternifolia Leaf Extract, Rosmarinus Officinalis Leaf Oil, Disteardimonium Hectorite, Magnesium Sulfate, Triethoxycaprylylsilane, 1,2-Hexanediol, Polyglyceryl-2 Dipolyhydroxystearate, Lauryl Polyglyceryl-3 Polydimethylsiloxyethyl Dimethicone, Methyl Methacrylate Crosspolymer, Polymethylsilsesquioxane, Dicaprylyl Carbonate, Glyceryl Caprylate, Caprylyl Glycol, Mica, Aluminum Hydroxide, Ethylhexylglycerin, Perfluorooctyl Triethoxysilane, Tocopherol, Butylene Glycol, Pentylene Glycol, CI 77492, CI 77491, CI 77499
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.
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 preservatives
This flowering plant is more commonly known as Capillary wormwood.
According to a manufacturer, the flowers of this plant are used for their anti-inflammation and moisturizing properties.
Butylene Glycol (or BG) is used within cosmetic products for a few different reasons:
Overall, Butylene Glycol is a safe and well-rounded ingredient that works well with other ingredients.
Though this ingredient works well with most skin types, some people with sensitive skin may experience a reaction such as allergic rashes, closed comedones, or itchiness.
Learn more about Butylene GlycolButyloctyl Salicylate is a chemical UV filter structurally similar to octisalate. It is a photostabilizer, SPF booster, emollient and solvent. This ingredient helps evenly spread out ingredients.
According to a manufacturer, it is suitable for pairing with micro Titanium Dioxide, Zinc Oxide, and pigments.
Photostabilizers help stabilize UV-filters and prevents them from degrading quickly.
Learn more about Butyloctyl SalicylateCamellia Sinensis Leaf Extract (tea extract) is one of the most well-researched plant extracts in skincare with an impressive resume.
Black tea, green tea, and oolong tea are all harvested from the Camellia Sinensis plant.
Studies show green tea extract and its catechins (like epigallocatechin gallate (EGCG)) help your skin cells product energy more efficiently and reducing the number of free-radicals that can damage your skin from the inside.
In lab-grown skin models, this translated to younger, healthier, and stronger skin.
There's also good sun protection data; researchers saw less DNA damage and redness on human skin when green tea was applied before UVB exposure. And the more they applied, the better the protection.
Needless to say, this ingredient shouldn't replace your sunscreen. But it is a great supportive ingredient that you can already find in many sunscreens and antioxidant serums.
A 2009 study found a 2% green tea lotion was effective for mild-to-moderate acne thanks to its anti-inflammatory and mild antimicrobial activity.
The quality of the extract matters a lot here:
Good extracts contain 50-90% catechins while lower quality ones are mostly there for marketing. We recommend reaching out to the brand if you have questions about the quality or source of their ingredients.
Human Repeated Insult Patch Testing showed no irritation or sensitization at use concentrations (0.86% in leave-on products and up to 30% as leaf water).
Learn more about Camellia Sinensis Leaf ExtractCaprylyl 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 GlycolCaprylyl Methicone is a synthetic and lightweight silicone fluid. It gives products a silky, dry-touch finish without the heaviness of pure oils.
Though the EU CosIng Database lists this ingredient as a skin conditioner, it is also used for sensory reasons. It spreads easily, cuts greasiness, and reduces tackiness.
This ingredient is volatile which means it will mostly evaporate (but it evaporates slower than older cyclomethicones, like Cyclotetrasiloxane).
Typical concentration ranges from 1-30% depending on if it's being used to tweak the feel of a product or acting as the main emollient.
Learn more about Caprylyl MethiconeCentella Asiatica Extract (Centella) is one of the most researched botanical extracts in skincare with decades of studies backing its effects on inflammation, collagen, and the skin barrier.
That research keeps pointing back to the same four triterpenoid saponins: Asiaticoside, Madecassoside, Asiatic Acid, and Madecassic Acid.
These compounds allow centella to dial back inflammation, encourage the skin to build and hold onto collagen, support the barrier and hydration, and bring solid antioxidant activity to protect against signs of aging.
Centella also carries a nice supporting cast of Vitamin A, vitamin C, several B vitamins, and amino acids. Put it all together and you get an ingredient that soothes, hydrates, and protects, all at once.
Most of centella's magic comes from the four big compounds (Asiaticoside, Madecassoside, Asiatic Acid, and Madecassic Acid). These are the actives doing the heavy lifting in almost every centella study.
Here is the short version of what they do in the skin:
So it is not just soothing for the sake of soothing. Centella calms the skin AND helps it rebuild.
Just FYI, not all centella on an ingredient list is the same. What you are getting actually depends on the extract:
Fun fact on the ratios: the leaves tend to be richest in Madecassoside and Asiaticoside, and lower in the two acids. The exact amounts shift with where the plant is grown and how it is processed. This means purity really does vary brand to brand.
Centella is one of the most easygoing actives out there.
It layers well with basically everything: niacinamide, hyaluronic acid, peptides, and vitamin C, and also pairs nicely with stronger actives like retinoids and exfoliating acids where it can help take the edge off irritation.
On the safety side, centella and its triterpenes are classified as weak sensitizers, meaning allergic reactions are possible but uncommon.
Patch tests at 1% and 5% came back negative in test panels, and creams at typical use levels did not cause allergic reactions across large groups of people.
But as with any new active, a patch test is still a smart move for very reactive skin.
Centella is widely used because it is effective at low percentages. For context, human safety testing found no meaningful irritation from creams containing centella extract at everyday use levels (the tested amounts were well under 1%).
The irritancy threshold in animal testing was also above 30% (so real-world formulas sit far below anything concerning).
In collagen lab studies, higher concentrations drove more collagen synthesis, so serums built around centella tend to feature it more prominently.
Bottom line: you will find centella working nicely anywhere from a fraction of a percent up to hero-ingredient levels depending on whether it is a supporting soother or the main event.
Fun fact: Centella has been used as a medicine and in food for many centuries. As a medicine, it is used to treat burns, scratches, and wounds.
Learn more about Centella Asiatica ExtractCyclohexasiloxane is a type of silicone more commonly known as D6. It is an emollient and solvent.
Cyclohexasiloxane is used to evenly distribute ingredients throughout the product. When applied to the skin, Cyclohexasiloxane evaporates and leaves behind a silky feel.
As an emollient, it can help the skin feel soft and hydrated. It is also used to reduce frizz in hair products.
Learn more about CyclohexasiloxaneDisteardimonium Hectorite comes from the clay mineral named hectorite. It is used to add thickness to a product.
It can also help stabilize a product by helping to disperse other ingredients.
Hectorite is a rare, white clay mineral.
Learn more about Disteardimonium HectoriteEthylhexylglycerin is created from glycerin. It is a multitasker ingredient that:
The CIR Expert Panel found minimal skin absorption or sensitization of any kind in a safety assessment. Though this ingredient is considered well-tolerated, a small number of cases of allergic dermatitis have been published since 2002. Just be sure to patch test if you are unsure.
Industry-reported use ranges from 8% in rinse-off products and 2% in leave-on formulations.
Learn more about EthylhexylglycerinGlyceryl Caprylate comes from glycerin and caprylic acid. It is an emollient, co-emulsifier, and preservative booster.
Its short C8 fatty acid chain makes it behave differently from its longer-chain emollient cousins like Glyceryl Stearate. It feels more lightweight, fast-absorbing, and silky instead of rich and waxy.
As a co-emulsifier, its "head" and "tail" sit at the oil-water interface. But overall, the short C8 tail and not being water soluble means it doesn't really have the muscle to emulsify a formula on its own. That's why you'll often see it paired with a primary emulsifier like Cetearyl Glucoside.
Interestingly, Glyceryl Caprylate acts as a preservative booster. This is because its fatty-acid backbone disrupts microbial lipid membranes. It shows excellent activity against bacteria and yeast but is weaker against mold.
Typical concentrations range from 0.5-1% and this ingredient is generally non-irritating.
Because this ingredient has a C8 fatty acid chain, it is outside the range that the Malassezia yeast metabolizes (making it fungal acne safe).
Learn more about Glyceryl CaprylateHouttuynia Cordata Extract is more commonly known as Heart Leaf, Fish Mint, or Chameleon plant.
The components found in Heart Leaf give it antioxidant, hydrating, antimicrobial, and anti-inflammatory properties.
Heart Leaf is rich in flavonoids such as quercetin, apigenin, and more. It also contains polysaccharides, the most common type of carbs in food.
Flavonoids have been shown to be effective antioxidants. They help neutralize free-radical molecules. Free-radical molecules are unstable molecules that may damage our skin cells and DNA. The flavonoids in Heart Leaf also help soothe the skin.
Polysaccharides are naturally found in our skin. They play a role in hydrating and repairing the top layer of skin. The polysaccharides in Heart Leaf help moisturize our skin.
Studies show decanoyl acetaldehyde, a component of Heart Leaf oil, is effective at killing bacteria.
The name 'Fish Mint' comes from the herb's natural fishy smell. Is is native to southeast Asia and used throughout the continent for traditional cooking and medicine.
Learn more about Houttuynia Cordata ExtractLauryl Polyglyceryl-3 Polydimethylsiloxyethyl Dimethicone is a type of silicone.
Magnesium Sulfate is a salt. More specifically, it is an epsom salt, or the bath salt used to help relieve muscle aches.
Despite having ‘sulfate’ in the name, it isn’t a surfactant or cleansing agent like sodium lauryl sulfate. Unlike those sulfates, magnesium sulfate doesn’t have the same cleansing or foaming properties (it's simply a type of salt).
In cosmetics, Magnesium Sulfate is used to thicken a product or help dilute other solids. It is a non-reactive and non-irritating ingredient.
One study shows magnesium deficiency may lead to inflammation of the skin. Applying magnesium topically may help reduce inflammation.
You can find this ingredient in sea water or mineral deposits.
Learn more about Magnesium SulfateMelaleuca Alternifolia Leaf Extract comes from the Tea Tree, Melaleuca alternifolia, Myrtaceae. This tea tree is native to Australia.
Tea Leaf extract contains antimicrobial and anti-acne properties.
This ingredient has perfuming properties and contains linalool and limonene. These fragrance and terpinen components can cause skin sensitivity.
Learn more about the benefits of Tea Tree Oil here.
Learn more about Melaleuca Alternifolia Leaf ExtractNiacinamide 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 NiacinamidePolyglyceryl-2 Dipolyhydroxystearate isn't fungal acne safe.
Polyglyceryl-3 Polydimethylsiloxyethyl Dimethicone is a type of silicone.
Polymethylsilsesquioxane is a silicone used as a film forming agent.
When applied to the skin, this ingredient creates an invisible film on the surface. This film still allows oxygen to pass through, but prevents moisture from escaping. This can help condition and hydrate the skin. It also leaves a silky feel when applied.
Polymethylsilsesquioxane has not been shown to clog pores. It has been deemed safe to use up to 55%, but most cosmetics use much less.
If you have concerns about using this ingredient, we recommend speaking with a professional.
Learn more about PolymethylsilsesquioxanePropanediol is an all-star ingredient. It softens, hydrates, and smooths the skin.
It’s often used to:
Propanediol is not likely to cause sensitivity and considered safe to use. It is derived from corn or petroleum with a clear color and no scent.
Learn more about PropanediolWe don't have a description for Propylheptyl Caprylate yet.
Tocopherol is a fat-soluble antioxidant known as Vitamin E.
You'll find this ingredient in the vast majority of skincare (for good reason). It works to neutralize free radicals, or unstable molecules generated by UV exposure, pollution, and other environmental stressors, before they can cause oxidative damage to your skin cells.
Topically applied tocopherol has been shown to protect against UV damage by ramping up the skin's own natural defense enzymes.
It also acts as a skin conditioning agent; some studies show that regular topical use can improve the skin's water-binding capacity over 2-4 weeks.
This ingredient is especially loved for being a team player. When combined with Vitamin C, the photoprotective effect of both ingredients roughly doubles and the combo also helps reduce UV-induced DNA damage.
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.
In formulations, it also serves as a stabilizer that helps protect other oxidation-prone ingredients from degrading.
Concentrations usually range from 0.1-1% in most leave-on products.
Learn more about TocopherolTriethoxycaprylylsilane is a silicon-based surface modifier that makes sunscreens feel silky and makeup stay put.
Its main job is to coat mineral particles like titanium dioxide, zinc oxide, and color pigments in a thin, oily layer so they spread smoothly, don't clump, and stick to skin better.
This ingredient is typically used at low levels (up to 2.5% in eyeshadow and 1% in lipstick).
Learn more about TriethoxycaprylylsilaneWater. 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