What's inside
What's inside
Key Ingredients
Benefits
Concerns
No concerns
Ingredients Side-by-side
Water
Skin ConditioningZinc Oxide
Cosmetic ColorantButyloctyl Salicylate
Skin ConditioningGlycerin
HumectantPropanediol
SolventPropylheptyl Caprylate
EmollientPhenyl Trimethicone
Skin ConditioningTriethylhexanoin
MaskingMethyl Trimethicone
Skin ConditioningIsododecane
EmollientCaprylyl Methicone
Skin ConditioningCoco-Caprylate/Caprate
EmollientSilica
AbrasiveCetyl Diglyceryl Tris(Trimethylsiloxy)Silylethyl Dimethicone
Emulsion StabilisingPanthenol
Skin ConditioningSodium Chloride
MaskingC15-19 Alkane
SolventLauryl Polyglyceryl-3 Polydimethylsiloxyethyl Dimethicone
Skin ConditioningMethyl Methacrylate Crosspolymer
Triethoxycaprylylsilane
Lauryl Dimethicone/Polyglycerin-3 Crosspolymer
Cleansing1,2-Hexanediol
Skin ConditioningAllantoin
Skin ConditioningPolyglyceryl-2 Dipolyhydroxystearate
Skin ConditioningDisteardimonium Hectorite
StabilisingMagnesium Sulfate
Caprylic/Capric Triglyceride
MaskingGlyceryl Caprylate
EmollientCaprylyl Glycol
EmollientHydrogenated Lecithin
EmulsifyingCeramide NP
Skin ConditioningDipropylene Glycol
HumectantButylene Glycol
HumectantTocopherol
AntioxidantTremella Fuciformis Extract
HumectantSodium Citrate
BufferingEthyl Hexanediol
SolventSolanum Lycopersicum Fruit Extract
AntioxidantAscorbyl Glucoside
AntioxidantEthylhexylglycerin
Skin ConditioningMagnesium Chloride
Calcium Gluconate
HumectantPyridoxine Hcl
Skin ConditioningYeast Extract
Skin ConditioningCyanocobalamin
Skin ConditioningWater, Zinc Oxide, Butyloctyl Salicylate, Glycerin, Propanediol, Propylheptyl Caprylate, Phenyl Trimethicone, Triethylhexanoin, Methyl Trimethicone, Isododecane, Caprylyl Methicone, Coco-Caprylate/Caprate, Silica, Cetyl Diglyceryl Tris(Trimethylsiloxy)Silylethyl Dimethicone, Panthenol, Sodium Chloride, C15-19 Alkane, Lauryl Polyglyceryl-3 Polydimethylsiloxyethyl Dimethicone, Methyl Methacrylate Crosspolymer, Triethoxycaprylylsilane, Lauryl Dimethicone/Polyglycerin-3 Crosspolymer, 1,2-Hexanediol, Allantoin, Polyglyceryl-2 Dipolyhydroxystearate, Disteardimonium Hectorite, Magnesium Sulfate, Caprylic/Capric Triglyceride, Glyceryl Caprylate, Caprylyl Glycol, Hydrogenated Lecithin, Ceramide NP, Dipropylene Glycol, Butylene Glycol, Tocopherol, Tremella Fuciformis Extract, Sodium Citrate, Ethyl Hexanediol, Solanum Lycopersicum Fruit Extract, Ascorbyl Glucoside, Ethylhexylglycerin, Magnesium Chloride, Calcium Gluconate, Pyridoxine Hcl, Yeast Extract, Cyanocobalamin
Water
Skin ConditioningZinc Oxide
Cosmetic ColorantCyclopentasiloxane
EmollientPropanediol
SolventDicaprylyl Carbonate
EmollientDisiloxane
Skin ConditioningPropylheptyl Caprylate
EmollientNiacinamide
SmoothingLauryl Polyglyceryl-3 Polydimethylsiloxyethyl Dimethicone
Skin Conditioning1,2-Hexanediol
Skin ConditioningNymphaea Alba Flower Extract
Skin ConditioningCeramide NP
Skin ConditioningPanthenol
Skin ConditioningGlycyrrhiza Glabra Root Extract
BleachingPhospholipids
Skin ConditioningRosmarinus Officinalis Leaf Extract
AntimicrobialHelianthus Annuus Seed Oil
EmollientLactobacillus Ferment
Skin ConditioningCholesterol
EmollientTocopheryl Acetate
AntioxidantSolanum Lycopersicum Fruit Extract
AntioxidantDipotassium Glycyrrhizate
HumectantGlycerin
HumectantTremella Fuciformis Extract
HumectantTocopherol
AntioxidantEthyl Ferulate
AntioxidantIsododecane
EmollientAscorbyl Glucoside
AntioxidantEthylhexyl Palmitate
EmollientHydrogenated Lecithin
EmulsifyingSodium Palmitoyl Proline
Skin Conditioning3-O-Ethyl Ascorbic Acid
Skin ConditioningDisteardimonium Hectorite
StabilisingMagnesium Sulfate
Polyglyceryl-2 Dipolyhydroxystearate
Skin ConditioningDipropylene Glycol
HumectantIsopropyl Myristate
EmollientChitosan
Butylene Glycol
HumectantTrimethylsiloxysilicate
EmollientAcrylates/Polytrimethylsiloxymethacrylate Copolymer
Skin ConditioningYeast Extract
Skin ConditioningPentylene Glycol
Skin ConditioningCyanocobalamin
Skin ConditioningPolyhydroxystearic Acid
EmulsifyingDimethicone
EmollientHydroxyacetophenone
AntioxidantTriethoxycaprylylsilane
Polyglyceryl-4 Diisostearate/Polyhydroxystearate/Sebacate
EmulsifyingLecithin
EmollientOctyldodecanol
EmollientIsostearic Acid
CleansingCI 77288
Cosmetic ColorantPolyglyceryl-3 Polyricinoleate
EmulsifyingNeopentyl Glycol Diethylhexanoate
EmollientEthyl Hexanediol
SolventMagnesium Chloride
Calcium Gluconate
HumectantPyridoxine Hcl
Skin ConditioningPolyglyceryl-10 Laurate
Skin ConditioningEthylhexylglycerin
Skin ConditioningWater, Zinc Oxide, Cyclopentasiloxane, Propanediol, Dicaprylyl Carbonate, Disiloxane, Propylheptyl Caprylate, Niacinamide, Lauryl Polyglyceryl-3 Polydimethylsiloxyethyl Dimethicone, 1,2-Hexanediol, Nymphaea Alba Flower Extract, Ceramide NP, Panthenol, Glycyrrhiza Glabra Root Extract, Phospholipids, Rosmarinus Officinalis Leaf Extract, Helianthus Annuus Seed Oil, Lactobacillus Ferment, Cholesterol, Tocopheryl Acetate, Solanum Lycopersicum Fruit Extract, Dipotassium Glycyrrhizate, Glycerin, Tremella Fuciformis Extract, Tocopherol, Ethyl Ferulate, Isododecane, Ascorbyl Glucoside, Ethylhexyl Palmitate, Hydrogenated Lecithin, Sodium Palmitoyl Proline, 3-O-Ethyl Ascorbic Acid, Disteardimonium Hectorite, Magnesium Sulfate, Polyglyceryl-2 Dipolyhydroxystearate, Dipropylene Glycol, Isopropyl Myristate, Chitosan, Butylene Glycol, Trimethylsiloxysilicate, Acrylates/Polytrimethylsiloxymethacrylate Copolymer, Yeast Extract, Pentylene Glycol, Cyanocobalamin, Polyhydroxystearic Acid, Dimethicone, Hydroxyacetophenone, Triethoxycaprylylsilane, Polyglyceryl-4 Diisostearate/Polyhydroxystearate/Sebacate, Lecithin, Octyldodecanol, Isostearic Acid, CI 77288, Polyglyceryl-3 Polyricinoleate, Neopentyl Glycol Diethylhexanoate, Ethyl Hexanediol, Magnesium Chloride, Calcium Gluconate, Pyridoxine Hcl, Polyglyceryl-10 Laurate, Ethylhexylglycerin
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
Ascorbyl Glucoside (AA-2G) is one of the most stable vitamin C derivatives out there.
It's made by attaching a glucose molecule to ascorbic acid; this glucose "cap" shields the vitamin C from air, light, heat, and metal ions that normally cause pure ascorbic acid to oxidize.
Once on your skin, the enzyme alpha-glucosidase snips off the glucose and gradually releases active ascorbic acid right where it's needed. Basically, it behaves like a slow-release pro-vitamin C with less of a stinging that high-strength ascorbic acid can cause.
The research supports the classic vitamin C benefits as well. In lab and human studies, AA-2G slowed down the skin's production of melanin (the pigment behind dark spots) and helped shield skin cells against sun damage better than ascorbyl phosphate.
These studies also showed AA-2G released vitamin C over a longer period.
A frequently cited manufacturer trial found that a 2% AA-2G face cream significantly improved wrinkle depth and skin roughness after 45 days.
And in 2009, a clinical trial showed it meaningfully lightened dark patches on the gums compared to a placebo.
There's also collagen-synthesis support (since vitamin C is a required cofactor for that) and an antioxidant effect too.
Typical usage is usually between 0.5-5% and most studies/products land around 2%.
AA-2G performs best when formulated at a mildly acidic pH (~5-7) which is much gentler than the pH that pure vitamin C demands (~2.5-3.5).
Just one thing worth knowing: the in-skin conversation rate is only about 55-60% by weight. So a 5% AA-2G product delivers roughly 2.75-3% of actual active vitamin C. On top of that, skin absorption is relatively low because the ingredient is water-soluble.
Learn more about Ascorbyl GlucosideButylene 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 GlycolThis ingredient is calcium salt of gluconic acid. It is a humectant, meaning it attracts water to your skin.
Ceramide NP (formerly known as Ceramide 3) is one of the skin's naturally occurring lipids.
Since ceramides are the major lipid components of the skin, they are crucial for maintaining skin barrier and hydration. Ceramide NP most closely mirrors the dominant kind in human skin amongst ceramide subtypes.
This ceramide works by slotting into gaps within the stratum corneum's lipid matrix to limit trans-epidermal water loss (TEWL) and shield the skin against external irritants.
A study with 312 patients found that using a ceramide-containing routine for 4 weeks reduced the severity of atopic dermatitis by over 61%.
Another clinical study in subjects aged 60 and older found that a ceramide body wash and moisturizer improved skin dryness and itchy skin in 15 days.
Overall, ceramides are considered non-irritating and safety tests have found little to no observable adverse effects from using this ingredient.
Ceramide NP is usually sourced from plants (like soybean or rice bran), or produced synthetically.
Learn more about Ceramide NPCyanocobalamin is the manufactured version of vitamin B12. It has skin soothing, antioxidant, and barrier protecting properties. Topical cyanocobalamin is used to treat skin irritation and atopic dermatitis.
Dipropylene Glycol is a synthetically created humectant, stabilizer, and solvent.
This ingredient helps:
Dipropylene glycol is technically an alcohol, but it belongs to the glycol family (often considered part of the ‘good’ alcohols). This means it is hydrating and gentle on skin unlike drying solvent alcohols like denatured alcohol.
As a masking agent, Dipropylene Glycol can be used to cover the smell of other ingredients. However, it does not have a scent.
Studies show Dipropylene Glycol is considered safe to use in skincare.
Learn more about Dipropylene GlycolDisteardimonium 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 HectoriteEthyl Hexanediol is an aliphatic alcohol. It is a solvent.
Solvents are used to keep ingredients together in a product. They can help dissolve ingredients to stable bases or help evenly distribute ingredients throughout the product.
Ethylhexylglycerin 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 EthylhexylglycerinGlycerin (or glycerol) is a compound naturally found in your skin. It's a powerhouse humectant that pulls water into the stratum corneum.
Topically, glycerin does several things at once:
Your skin makes glycerin on its own (mostly from sebaceous oil breakdown) and shuttles it to your outermost layer of skin, or your epidermis, via aquaporin-3.
Aquaporin-3 is a transporter that is essential for normal skin hydration, elasticity, and repair. Interestingly, mice lacking in AQP3 have dry and less elastic skin that can be fully corrected with glycerin.
This ingredient is non-irritating, plays well with almost every ingredient, and works across all skin types. Typical use is anywhere between 3-10% but can go up to 79% in some leave-on products.
Just know very high concentrations (>40%) can feel tacky in low humidity.
Glycerin is the name for this ingredient in American English. British English uses Glycerol/Glycerine.
Learn more about GlycerinHydrogenated Lecithin is a more stable version of lecithin.
It's made by taking lecithin (a phospholipid commonly found in soybeans and egg yolks) and hydrogenating it. This just means the unsaturated fatty acids are turned into saturated ones so they don't go bad as easily.
This ingredient is an emollient, emulsifier, and penetration enhancer. As an emollient, it helps soften and hydrate skin by trapping moisture within. As an emulsifier, it prevents oil and water ingredients from separating.
Hydrogenated Lecithin can form tiny spherical structures made of phospholipid bilayers called liposomes. These liposomes are able to capture compounds inside their structure and deliver them through the skin barrier.
Because phospholipids are a natural component of our cell membranes, this ingredient is inherently compatible with skin.
A 2021 study found lecithin-based surfactants were less harsh and more tolerable comared to Sodium Lauryl Sulfate (SLS).
Learn more about Hydrogenated LecithinIsododecane is a fragrance, emollient, and solvent.
As an emollient, it helps your skin stay soft and hydrated. Emollients help trap moisture into your skin.
Isododecane's role as a solvent makes it a great texture enhancer. It spreads smoothly on skin and does not leave a sticky feeling behind. Isododecane also helps prevent color transfer in makeup products.
Isododecane is not absorbed into skin.
The chemical name for this ingredient is 2,2,4,6,6-PENTAMETHYLHEPTANE.
Learn more about IsododecaneLauryl Polyglyceryl-3 Polydimethylsiloxyethyl Dimethicone is a type of silicone.
Magnesium chloride is a mineral salt made from magnesium and chloride. It is mainly used to control product stability and texture in cosmetics.
This ingredient can also play a role in soothing the skin and supporting normal skin function.
Magnesium chloride is water-soluble, generally well tolerated, and does not act as a strong “active” ingredient on its own.
Learn more about Magnesium ChlorideMagnesium 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 SulfatePanthenol is a common ingredient that helps hydrate and soothe the skin. It is found naturally in our skin and hair.
There are two forms of panthenol: D and L.
D-panthenol is also known as dexpanthenol. Most cosmetics use dexpanthenol or a mixture of D and L-panthenol.
Panthenol is famous due to its ability to go deeper into the skin's layers. Using this ingredient has numerous pros (and no cons):
Like hyaluronic acid, panthenol is a humectant. Humectants are able to bind and hold large amounts of water to keep skin hydrated.
This ingredient works well for wound healing. It works by increasing tissue in the wound and helps close open wounds.
Once oxidized, panthenol converts to pantothenic acid. Panthothenic acid is found in all living cells.
This ingredient is also referred to as pro-vitamin B5.
Learn more about PanthenolPolyglyceryl-2 Dipolyhydroxystearate isn't fungal acne safe.
Propanediol 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.
Pyridoxine hydrochloride, also known as vitamin B6, has skin conditioning properties. According to a manufacturer, this ingredient is an effective anti-dandruff treatment as it reduces sebum levels and oily spots.
This ingredient is also known as tomato fruit extract. It comes from ripe tomatoes and is rich in antioxidants.
According to a manufacturer, the antioxidants of this ingredients help sooth irritation and redness while protecting skin from free radical damage.
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 TocopherolTremella Fuciformis Extract comes from the tremella fuciformis mushroom, also known as snow mushroom or white jelly mushroom.
The snow mushroom has moisturizing and antioxidant properties.
Snow mushroom is rich in polysaccharides, giving it moisturizing benefits. As a humectant, snow mushroom helps draw moisture from the air to the skin. Polysaccharides are able to mimic our skin's natural carbohydrates to help the skin retain water.
Snow mushroom has been shown to help with anti-aging due to its antioxidants. It increases the presence of superoxide dismutase in our brain and liver. Superoxide is a by-product of oxygen metabolism. It left unregulated, superoxide causes cell damage. Thus, superoxide dismutase acts as an antioxidant to protect our living cells.
Another study from 2016 showed snow mushroom extract blocks the skin from creating melanin when exposed to UVB. Thus, it may help protect against the signs of aging from sun exposure. However, more studies are needed to confirm this. Another study from 2021 found snow mushroom to protect against UVA damage as well.
This white mushroom is native to Asian countries such as China, Korea, Japan, and Thailand. It is a common ingredient in traditional Chinese cuisine and medicine.
Learn more about Tremella Fuciformis ExtractTriethoxycaprylylsilane 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 WaterYeast extract is a silky, clear liquid derived from yeast (usually Saccharomyces cerevisiae or Torula yeast).
This ingredient has plenty of skin benefits:
Bioferments of yeast and soy have been found to reduce hyperpigmentation at low levels.
Yeast extract is fungal acne safe because it's made up of amino acids, peptides, B vitamins, and nucleotides (not the C11-C24 fatty acids that Malassezia needs to thrive).
The "yeast" in the name can be misleading, but FA safety is about chemical composition and not ingredient origin.
Learn more about Yeast ExtractZinc 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