Stablecoin payroll,
settled in seconds.
PayoutRails turns a payroll run into one atomic, instantly-final on-chain event. Pay remote contractors across Argentina, Nigeria, Vietnam and the Philippines for ~$0.001 a transfer — with an immutable receipt for every payout.
Paying remote freelancers is slow, costly, and unverifiable
Cross-border freelancer payments fail on three compounding axes — and every freelancer in an emerging market feels all three at once.
The fee leak
FX margin + transfer fee + local cash-out fee runs 4–8% of every USD payout. On a $1,000 invoice, that is $40–80 lost — every contractor, every month.
The settlement delay
Correspondent-bank rails take 3–7 business days to clear. Contractors finance their own cash-flow gap; weekly or milestone pay is impossible without drowning in fees.
The reconciliation burden
Neither side has a shared record. Employers rebuild payroll from bank statements for auditors; contractors reconstruct income from screenshots for tax filings.
A payroll run becomes one atomic on-chain event
One signed event
Fund a batch, and a single HTS transaction settles every contractor at once — atomic, all-or-nothing.
Receipt as a network fact
Each payout appends a consensus-timestamped message to the employer's HCS topic. No bookkeeping intermediary.
Trustless verification
Contractors confirm full payment history straight from the public Mirror Node REST API.
This could not be built on any other chain
Four Hedera-native properties — and PayoutRails is load-bearing on all of them.
USD-denominated fixed fees
An HTS transfer costs ~$0.001 regardless of congestion. On an EVM chain a percentage-of-gas fee makes the $50-payout segment structurally unprofitable.
Native HCS consensus timestamps
Receipts are a first-class network service, not a contract-emitted log. That is what removes the bookkeeping intermediary.
aBFT finality in 3–5 seconds
Funded → settled → receipt written completes before the employer closes the tab. Finality is the product promise.
Atomic HTS batching
A payroll run is all-or-nothing by nature. HTS multi-party transfers express that natively — no orphaned transfers.
Everything a payroll rail needs — nothing it doesn't
Built for the three sides of the network: employers, contractors, and the wider Hedera ecosystem.
One-click batch payroll
Upload a contractor list, fund once, settle the whole batch atomically through Hedera Token Service. All-or-nothing — never a half-finished run.
Weekly & milestone cadence
Because a payout costs ~$0.001, paying weekly or per-milestone costs essentially the same as paying monthly.
Audit-ready receipts
Every payout writes a consensus-timestamped message to the employer's HCS topic. Export a tamper-evident payroll history for any period.
Paid in seconds, non-custodial
Contractors hold their own keys. Funds are spendable on arrival — not in 3–7 days — and PayoutRails never holds contractor capital.
Independently verifiable
The contractor portal reads straight from Hedera Mirror Nodes. Payment history is provable without trusting PayoutRails' servers.
Open receipt standard
The payoutrails.receipt.v1 HCS schema is published openly so any Hedera payments project can read and write the same format.
Five steps, start to settled
Fund a batch
The employer uploads a contractor list and funds the run in a regulated stablecoin — USDC.h, AUDD, or a Stablecoin Studio partner stable.
Settle atomically
A single HTS transaction pays every contractor at once. If any leg is invalid, the whole batch fails cleanly.
Write the receipt
Each payout appends a structured, consensus-timestamped receipt to the employer's dedicated HCS topic.
Pay & verify
Contractors receive funds in a non-custodial wallet and verify full history against the public Mirror Node REST API.
Cash out locally
Integrated, licensed off-ramp partners convert stablecoin to local fiat inside each corridor.
Digital payments market by 2027
Target monthly on-chain transactions
Target active contractor wallets
Launch corridors at go-live
RAILS — a token funded by real payroll volume
PayoutRails works fully without a token. RAILS aligns incentives across the network, with a programmatic buyback funded by real platform revenue.
Token Allocation
1,000,000,000 RAILS · fixed supplyFee rebates
Employers paying platform fees in RAILS get a reduced effective rate — demand tied directly to real payroll volume.
Staking for premium
Stake RAILS to unlock branded payment pages, merchant API access, higher batch limits and advanced reconciliation.
Contractor loyalty
Contractors paid through PayoutRails accrue RAILS rewards, redeemable for off-ramp fee discounts.
Governance & buyback
Holders steer fee schedules and corridor priority. A defined share of revenue funds a transparent on-chain buyback.
The default payroll rail
of the Hedera ecosystem.
Stablecoins that settle in seconds across continents — that is Hedera's stated 2026 priority, and it is exactly what PayoutRails ships.
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