Payzoll
Unified payment infrastructure. TradFi->Web3
Created on 16th May 2025
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Payzoll
Unified payment infrastructure. TradFi->Web3
The problem Payzoll solves
PayZoll: Solving TradFi & DeFi Fragmentation
PayZoll addresses the fragmentation and friction that plague both traditional finance (TradFi) and decentralized finance (DeFi) today by unifying disparate systems under one holistic interface.
1. Disparate Rails & UX
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TradFi Silos
- Geography-bound systems
- Multiple currency rails
- Legacy batch processes (payroll, FX, bank cut-offs)
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DeFi Complexity
- Wallet management & gas fees
- Token approvals
- Lack of built-in compliance
Solution:
Companies and individuals interact with a single dashboard. Under the hood, PayZoll intelligently routes funds via on-chain streams, fiat bridges, stablecoins, native payments, offramp support and soon to come banking and fiat rails.
2. Payroll & Recurring Disbursements
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Pain Points
- Manual payroll cycles → delays
- High cross-border fees & FX risk
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PayZoll On-chain Payroll
- Stablecoin payouts for instant settlement
- Gas abstraction ( premium ) so recipients never handle transaction fees
- Supports one-off payments and real-time streaming
3. P2P Trust & Recovery & Tradfi
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Traditional Crypto P2P
- Irreversible transfers
- Off-chain dispute resolution
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PayZoll Trust-minimized Module
- On-chain escrow & dispute flows embedded in smart contracts
- Familiar address-book to keep track of wallets just like contacts & bill-splitting among the friends.
- Invoice, Subscriptions, Bill Setlement and Purchase payments.
4. Fiat On/Off-Ramps & Compliance
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Current Friction
- Separate KYC/AML for each platform
- Multiple interfaces to manage
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Unified Experience
- Embedded fiat bridges with institutional liquidity
- Single KYC/AML workflow
- Zero-knowledge identity options for privacy
5. Operational Overhead & Automation
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Pain Points
- Repetitive manual tasks (payroll runs, billing, taxes)
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AI-Powered Agents
- Automate recurring workflows on-chain
- Trigger disbursements and compliance checks without manual intervention
🚀 Key Benefits
- Eliminate silos across TradFi & DeFi
- Reduce costs & settlement times
- Streamline UX to feel like any consumer payment app
- Scale to businesses and individuals globally
- Unity to be able to perform every financial transaction under one roof
Challenges I ran into
Challenges & Solutions
1. Integrating Centralized & Decentralized Rails
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Obstacle:
TradFi APIs (bank-grade settlement) and on-chain protocols follow different data models and compliance requirements. -
Solution:
Built a modular “routing” layer that abstracts each rail behind a common interface. Leveraged adapters for major banking partners and token bridges, with a unified transaction schema and built-in audit trails.
2. Multi-Token Payroll
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Obstacle:
Multiple chain and tokens require different native interfaces and integrations, sometimes even new code structure. -
Solution:
Implemented ERC20 wrappers and Native transfer batch transactions to provide multi token support. Chain based modular configurations and option to switch back and forth between multiple chains and tokens using unified interface. ( Gasless transactions are under development )
3. Designing Trustless Dispute & Recovery for P2P
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Obstacle:
On-chain transfers are final; adding reversible logic risked centralization. -
Solution:
Developed a decentralized dispute oracle mechanism: if a recipient claims, a multi-party arbiter contract holds funds in escrow until off-chain evidence is submitted, then releases or refunds accordingly.
4. Designing splitting and Invoice Payments
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Obstacle:
On-chain bill payments are non existent and no easy way to abstract splits. -
Solution:
Developed a address book mechanism to keep wallets as contacts to easily split features among people. Analysed the current invoice protocols and build a secure and recoverable escrow based contract to process invoices and automatic recurring subscriptions.
Decentralised oracle manages the dapp's issuing invoice to look for processed payments and service forwarding.
5. Compliance & Privacy (KYC/AML vs. User Data Protection)
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Obstacle:
Regulatory requirements demand identity checks, but full on-chain identity exposes privacy risks. -
Solution:
Integrated UIDAI and PAN verification API and wrappers to perform user authentication, offramp transaction's logging, audit data preservation and logs.
6. Maintaining Seamless UX Across Complex Workflows
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Obstacle:
Combining so many features risked overwhelming users. -
Solution:
Iterative front-end design with user testing sessions; introduced progressive disclosure and a unified dashboard that surfaces next-step guidance.
Minimal Ux and Ui allows anyone to intuitively navigate the web app and perform any action they need.
Tracks Applied (3)
Stablecoins
Consumer
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