PayZoll is your all-in-one financial umbrella, seamlessly blending decentralized and centralized rails into a single, turnkey ecosystem. From on-chain smart-contract payroll, streaming payments, and trustless P2P transfers, to fiat on-ramps/off-ramps, KYC/AML compliance, and AI-powered automation, PayZoll empowers businesses and individuals with the full spectrum of Web3-native and traditional finance servicesāsecure, scalable, and future-proof.
Payzoll unifies TradFi and DeFi into one Web3-native financial umbrella, offering:
- Secure Payments, Streams transfer whatever you want to whoever you want;
- On-chain Payroll with gas abstraction, multi-token payroll and real-time streaming;
- Trustless P2P Transfers with built-in recovery and dispute resolution;
- Fiat On/Off-Ramps tightly integrated for seamless fiat-crypto flows;
- AI-Driven Automation agents for recurring disbursements and compliance checks;
- zk-KYC & Anonymous Auth for privacy-preserving, on-chain identity and data storage.
- Abstraction finance running on web3 with the feel of traditionality;
Payzoll is a fully modular Web3 payment infrastructure built to meet the needs of both crypto-native projects and traditional Web2 enterprises. Our end-to-end vision is to provide every piece of the financial lifecycleāfrom on-chain asset acquisition all the way through to fiat settlementsāin a single, one-click experience that feels as familiar as your favorite payment app.
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Payroll
Automated, gas-abstracted disbursements that work on-chain or off-chain, eliminating manual overhead and ensuring employees get paid on time in the token of their choice. -
Streaming Payments (Upcoming)
Real-time money flows for freelancers, DAOs, and distributed teamsāno more batch cycles or waiting periods, just continuous value transfer whenever and wherever itās needed. -
Secure P2P Transfers
Trust-minimized, recoverable person-to-person transfers with built-in dispute resolution and recovery options, making peer payments reliable and user-friendly. Address books and friends features to split any bills among people. Pay for your invoices, subscriptions, bills, purchases. -
Fiat On/Off-Ramps
Seamless integration with banking rails and fiat bridgesāmove money in and out of crypto with a single click, backed by institutional liquidity and compliance. -
AI-Powered Agents (partial and upcoming )
Smart, on-chain bots that automate recurring workflowsāpayroll runs, subscription billing, compliance checksāso you can focus on growth, not grunt work. -
zk-KYC & Anonymous Auth (Planned)
Privacy-preserving, zero-knowledge identity and data storage that meets regulatory requirements without exposing sensitive user information.
Our ultimate mission is to onboard traditional businesses into Web3 without friction:
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Crypto Acquisition
Instantly purchase stablecoins or native tokens directly through embedded fiat rails. -
On-Chain Processing
Trigger payroll, streams, or P2P transfers via a simple dashboard or API callāno manual gas management needed. -
Compliance & Reporting
Built-in KYC/AML workflows and audit trails ensure you stay on the right side of regulations. -
Fiat Settlement
Automatically convert on-chain balances to local currency and settle directly to bank accounts, all with one confirmation.
By abstracting complexity and unifying centralized and decentralized rails, Payzoll makes advanced Web3 finance feel like a button clickāempowering enterprises, startups, and everyday users to transact globally with confidence and ease.
During the buildathon, we focused on extending PayZollās core infrastructure and UX to deliver several high-impact features:
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Next-Gen Payroll Contract
- Cron-style scheduling: Native support for recurring disbursements using on-chain ācronā jobs.
- Decentralized price oracles: Streams payments in USD-pegged stablecoins or any ERC-20 token, with real-time exchange rates.
- Batch processing: Larger batch sizes for high-volume payroll runs, reducing gas overhead.
- Multi-token & stablecoin support: Employees can choose from a basket of tokens (USDC, USDT, DAI, native tokens).
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Escrow-Based P2P & Invoice Protocols
- Secure, recoverable transfers: Funds held in escrow with on-chain dispute logic and time-bound refunds.
- Invoice & subscription payments: Smart contracts for one-off invoices and recurring subscription billing.
- Bill splitting & address book: Native āsplit billā flows and saved contacts for one-click peer payments.
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UX/UI Revamp
- Modern animations: Framer Motion transitions for dashboards, modals, and notifications.
- Progressive auth: New social-login and zk-auth flows for faster onboarding.
- Dynamic routing: Context-aware navigation that surfaces the right module based on user role and recent activity.
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Backend & Orchestration Engine
- Modular transaction router: Handles cron jobs, batch payroll, escrow flows, and multi-token swaps.
- P2P microservice: Dedicated service for dispute resolution, contact management, and invoice state tracking.
- KYC integration: Off-ramp KYC checks wired into transaction pipelines to ensure compliance before settlement.
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Ongoing & Upcoming Work
- AI-Driven Onboarding Agents: Automate user setup, KYC reminders, and tutorial flows (in development).
- Gasless meta-tx & relayers: Universal relayer support for truly zero-gas UX across modules.
- Universal token infra: Shared vaults, price feeds, and routing for any ERC-20 or native token.
- PayZoll Token: Governance & utility token to incentivize network participation, reduce fees, and unlock premium features.
With these buildathon enhancements, PayZoll showcases both technical depth and user-centric designālaying the foundation for a seamless, end-to-end Web3 finance experience.
- š Multi-Mainnet Deployments: Live on BNB Chain, Arbitrum, Polygon, and Aptos
- š„ Pilot Success: Completed real-world payroll for 2 pilot users
- š Hackathon Victories:
- Winner ā ETHIndia Hackathon
- Winner ā BNB Chain Hackathon Q4
- Winner ā Stellar Build Hackathon
- š Incubation & Acceleration: Selected for EduChain OpenCampus incubation program
- š On-Chain Transactions: Processed real P2P transfers and fiat offramp transactions on mainnet
To ensure transparency and clarity for stakeholders, weāve broken down our roadmap into quarterly milestones, each accompanied by high-level objectives and a visual Gantt timeline. This plan balances rapid delivery of core modules with rigorous compliance, user experience enhancements, and ecosystem partnerships.
gantt
title Payzoll Strategic Roadmap
dateFormat YYYY-MM-DD
section Q1 2025 (Completed)
Payroll Core Contract :done, 2025-01-05, 2025-02-15
Offramp Integrations (partial) :done, 2025-02-10, 2025-03-20
P2P Transfer Layer :done, 2025-01-20, 2025-03-05
Frontend MVP (Next.js) :done, 2025-01-15, 2025-03-25
Multi-Mainnet Deployment :done, 2025-02-01, 2025-03-30
section Q2 2025 (In Progress)
Streaming Payments :active, 2025-04-01, 2025-06-30
Full Offramp Fulfillment :active, 2025-04-15, 2025-06-30
AI On-Chain Agents v2 :active, 2025-05-01, 2025-06-30
zkKYC & Decentralized Auth :active, 2025-05-15, 2025-07-15
Decentralized Storage & Security:active, 2025-06-01, 2025-07-30
Analytics & Reporting Dashboard :active, 2025-04-15, 2025-06-20
section Q3 2025 (Planned)
DAO-Based Payroll Governance : 2025-07-01, 2025-09-30
Multi-Chain Treasury Management : 2025-07-15, 2025-10-15
Web3-Enabled Accounting System : 2025-08-01, 2025-10-30
Global Compliance Framework : 2025-08-15, 2025-11-15
On-Ramp Abstraction MVP : 2025-09-01, 2025-11-30
Strategic DEX Partnerships : 2025-09-15, 2025-12-15
| Quarter | Objective | Key Results |
|---|---|---|
| Q1 2025 | Establish Core Payment Infrastructure | ā¢ Payroll contract audited and live ā¢ Partial offramp integration with 2+ fiat partners ā¢ P2P layer handling >100 tx/day |
| Q2 2025 | Scale Feature Set and Compliance | ā¢ Real-time streaming MVP deployed ā¢ Full end-to-end offramp flow (on-ramp ā on-chain ā off-ramp) ā¢ zkKYC proof-of-concept ā¢ Analytics dashboard with metrics |
| Q3 2025 | Governance, Treasury, and Ecosystem Expansion | ā¢ DAO governance module with treasury controls ā¢ Multi-chain treasury deployed on 3 networks ā¢ Global compliance playbook published ā¢ 2 strategic DEX integrations live |
flowchart LR
subgraph Q2 2025 In-Progress
SP[Streaming Payments] --> OF[Full Offramp Fulfillment]
SP --> AI[AI Agents v2]
AI --> KYC[zkKYC & Auth]
KYC --> DS[Decentralized Storage]
DS --> AD[Analytics Dashboard]
end
subgraph Q3 2025 Planned
GOV[DAO Governance] --> TM[Treasury Management]
TM --> AC[Accounting System]
AC --> GC[Global Compliance]
GC --> OR[On-Ramp Abstraction]
OR --> DX[DEX Partnerships]
end
SP --> GOV
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Milestone Dependencies
- Streaming Payments builds on the P2P layer and on-chain token registry from Q1.
- Full offramp fulfillment requires both smart-contract integrations and banking partnerships.
- zkKYC & decentralized storage are prerequisites for our Global Compliance Framework in Q3.
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Quality & Compliance
- Each deliverable undergoes a two-step security audit and automated compliance testing.
- We maintain continuous monitoring to ensure sub-second finality and >99.9% uptime.
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Stakeholder Engagement
- Monthly status updates with demos for pilot partners.
- Quarterly Town Halls to gather feedback from enterprise and community users.
- Smart Contracts (Solidity + Move): Payroll, P2P, Token Registry, Streaming
- AI Agent Layer: Automated task execution (Gelato + LLM based)
- Frontend: Built with Next.js, Tailwind, and Framer Motion
- Backend: Node.js + Express for off-chain integrations
- Compliance: zkKYC (Planned), secure off-chain auth, encrypted metadata
| Capability | Status | Description |
|---|---|---|
| Payroll System | ā Live | Disburses funds with gas abstraction, supports real tokens |
| P2P Payments | ā Live | Secure, recoverable and fast |
| Offramp Support | ā Live | Fiat settlements and partner integration |
| AI Agents | š” Partial | Automate reminders, transfers, and streams |
| zk-KYC & Auth Layer | š Planned | Fully compliant yet private identity and login system |
| DAO Governance (Payroll Ops) | šµ Upcoming | Manage treasury and distribution logic via DAO |
- Featured By: BNB Chain, Stellar, ETHIndia ā highlighted in official blogs, hackathon recaps, and ecosystem spotlights.
- Multi-Chain Engagement: Thriving developer and user communities across BNB Chain, Arbitrum, Polygon, Aptos, and Stellar.
- Active Social Presence: Regular updates, AMAs, and product walkthroughs on Twitter, LinkedIn, and Telegram.
- Telegram Community: A rapidly growing group, collaborating on feature requests, troubleshooting, and real-time support.
- Web3 Events & Podcasts: Hosted deep-dive demos and Twitter Spaces alongside community events.
- DAO-Powered Contributor Network (planned): Empowering global contributorsādevelopers, designers, and strategistsāthrough grants, hackathon sponsorships, and governance proposals.
- Strategic Partnerships: Seamless integrations and co-marketing with BNB Chain, Stellar, Alchemy, Chainlink, and ETHIndia ecosystem partners to amplify reach and UX.
baseTestnet: '0x2D0561CA92b103813efEec478fDC00E54b1d01Ee',
base: '0x2c137aC6Bc804A9F798053347802F489F0025768',
https://basescan.org/tx/0x8814cfbc09b46b1d5abb8ec9fa2bbf4223c008a7a889921ab68587a24df092a8 ( sample mainnet tansactions )
baseTestnet: '0x2c137aC6Bc804A9F798053347802F489F0025768',
base: '0x2D0561CA92b103813efEec478fDC00E54b1d01Ee',
Our team combines deep expertise in blockchain technology and End to End product and business development.
Cofounder @PayZoll | B.tech CSE from IIIT Guwahati | End to End Dev@ MERN/ Next, Nest , Blockchain Dev @solidity, move, rust | Contract Audit and Security | Lead Developer
Core Contributions & Timeline
- Q3 2024 ā Aptos Build: Architected and shipped the Aptos integration module, including on-chain payroll contracts and multi-token support.
- Q4 2024 ā Stellar Build: Led development of the Stellar smart-contract suite (bulk transfers, multi-hop swaps) and front-end integration using Rust SDK & Freighter.
- Q1 2025 ā Payroll & Offramp Protocols: Designed and deployed the gasless payroll engine, complete fiat on/off-ramp flow, and backend services (Node.js + Express).
- Ongoing ā Full-Stack Development: Overseeing Next.js + Tailwind frontend, NestJS APIs, smart-contract audits, and cross-chain orchestration.
Tech Stack: Solidity, Move, Rust, MERN (Next.js, React, Node.js), NestJS, Automations, Chainlink Oracles
Founder @PayZoll | B.tech in Computer Science & Engineering from IIIT Guwahati | Proven Entrepreneurial Leader: Successfully managed North-East India operations for an e-commerce startup, leading a team of 100+ and achieving 6-figure monthly sales.
Core Contributions & Timeline
- Ongoing ā Business Development
Founding Engineer@ PayZoll | B.tech in Computer Science & Engineering from IIIT Guwahati | Lead Backend Engineer, Web3 Developer
Core Contributions & Timeline
- Ongoing ā Backend Development , P2P Protocol Development
Tech Stack: Solidity, Node.js, MERN,Auditing and Security
Our leadership combines top-tier blockchain development, full-stack engineering, and enterprise product management. Abhinavās multi-chain smart-contract builds (Aptos, Stellar) and end-to-end frontend/backend delivery, Vaibhavās proven track record in strategic partnerships and growth, and Sarthakās design of a secure, recoverable P2P protocol demonstrate the depth and diversity of our skill set.
Payzoll directly leverages Pharosā ultra-high throughput, sub-second finality, and RWA tooling to deliver inclusive payment rails, tokenized payroll, and compliant identity layers. Our modular architecture and on/off-chain bridges amplify Pharosā visionācreating a super-app environment for payroll, streaming, DeFi, and real-world asset flows.
With live deployments on BNB Chain, Arbitrum, Polygon, and Aptos, real-user payrolls processed, and multiple hackathon wins validating our approach, Payzoll has proven its product-market fit. Our revenue streams (subscription fees, streaming-based micro-fees, and premium compliance modules) are designed for rapid scaling and sustainable growth.
Featured by BNB Chain, Stellar, and ETHIndia, we maintain vibrant, multi-chain communities, host regular AMAs and Twitter Spaces, and collaborate with leading ecosystem partners. Our DAO-driven contributor network ensures continuous innovation and grassroots adoption.
By integrating open infrastructureāGelato automations for AI agents along with building along Allora, Chainlink oracles for price feeds, and major offramp APIsāwe accelerate development without reinventing the wheel. Our smart-contract patterns and CI/CD pipelines optimize gas costs and security, demonstrating engineering efficiency.
Payzollās combination of zk-KYC for privacy-preserving compliance, AI-driven agents for automated workflows, and modular finance building blocks represent a new paradigm for Web3 payments. Our trustless, one-click UX bridges TradFi and DeFi, unlocking mass adoption and real-world utility.
For project inquiries, partnership opportunities, or support, feel free to reach out to our core team:
Email: tech@payzoll.in
Co-Founder & Lead Web3 & FullStack Engineer
- Email: abhinavpangaria2003@gmail.com
- LinkedIn: linkedin.com/in/abhinavpangaria
- X (Twitter): @18_r_y_u_k_07
- Slack: abhinavpangaria.slack.com
- Portfolio: abhinav-pangaria.vercel.app
Lead Backend Engineer & P2P Architect
- Email: sarthakbansalog@gmail.com
- GitHub: github.com/sarthakbansal7
- LinkedIn: linkedin.com/in/sarthak-bansal-4b5539255
- X (Twitter): @sarthakbansal75
Star us on GitHub ā | Fork us š“ | Join the Revolution š
Empowering global payments infrastructure with the power of decentralized technology and Pharos robust ecosystem.