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By PayZoll

Universal Payroll Infrastructure

SCF #36
$100.0K
Build
Awarded
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PayZoll is a comprehensive Stellar-powered crypto-native payouts infrastructure that revolutionizes global compensation through atomic batch processing, real-time salary streaming, ultra-low-cost cross-border settlements in XLM and stablecoins, integrated fiat conversion, and automated compliance reporting for seamless regulatory adherence.

Products & Services

PayZoll will deliver five core Stellar-powered capabilities, each built on proven Stellar ecosystem components to maximize reliability, scalability, and business value:

  • Atomic Batch Payroll

    • Stellar tech: Fee-bump transactions (Stellar Core + Horizon)

    • Integration: Our batch builder wraps multiple payment operations into a single fee-bumped envelope before submission to Horizon.

    • Benefit: Cuts transaction fees by consolidating payouts, guarantees “all-or-nothing” settlement, and completes complex payroll runs in under a second.

  • Cross-Border XLM & Stablecoin Payments

    • Stellar tech: Path Payments & Liquidity Pools (Stellar DEX)

    • Integration: PayZoll leverages path-payment operations to route XLM or USDC through on-chain order books and AMM pools for optimal FX.

    • Benefit: Removes correspondent-bank delays, delivers predictable finality in local currency or stablecoin, and expands payroll reach globally.

  • Seamless Fiat On/Off-Ramps

    • Stellar tech: SEP-24 Anchors & SEP-12 Identity

    • Integration: We integrate certified SEP-24 anchors for deposits and withdrawals, and SEP-12 for off-chain KYC flows, all surfaced in our UI.

    • Benefit: Enables in-app fiat conversions with regulated anchors, removes manual banking steps, and ensures compliance across jurisdictions.

  • Auditing & Reporting Dashboard

    • Stellar tech: Horizon Streaming API & XDR Ingestion

    • Integration: A backend listener consumes live payment streams and ledger entries to build an immutable event log.

    • Benefit: Empowers finance teams with real-time visibility, auto-generates audit-ready reports, and eradicates error-prone CSV reconciliation.

Soroban

Maybe in the future, but not in this submission

Requested Budget

$100.0K

Success Criteria

Phase 1: MVP Launch (3 Months)

Objective: Validate core functionality & technical viability

Metric	                         Realistic Target	       Impact
Transaction Success Rate	            85%+	     Proves basic payroll engine reliability for investor confidence
Pilot Companies Onboarded	             5-7	     Validates market demand from crypto-native SMEs
Cost per Transaction	              <$0.30	     Demonstrates 60% cost reduction vs. traditional fintech APIs
Anchor Integration Uptime	            90%+	     Establishes foundational trust in Stellar payment rails

Strategic Impact:

  • Enables 15-second payroll processing (vs. 3-5 days for traditional cross-border payments).

  • Positions project for $500k seed valuation with live MVP metrics.

Phase 2: Testnet Validation (6 Months)

Objective: Achieve product-market fit & compliance readiness

Metric	                     Realistic Target	         Impact
User Retention Rate	                65%+	        Signals sticky product for global teams
Cross-Border Transactions	        30%+	        Expands financial access in emerging markets (Nigeria, Argentina)
Audit Trail Accuracy	            95%+	        Meets baseline requirements for EU/US regulatory approvals
Testnet Volume Processed	       $50k+	        Provides concrete data for Series A fundraising

Strategic Impact:

  • Reduces payroll fraud risk by 40% via immutable transaction logs.

  • Cuts FX fees to <1.5% for SMEs vs. 5-7% traditional banking rates.

Phase 3: Mainnet Launch (6+ Months)

Objective: Demonstrate commercial viability & scale

Metric	                      Realistic Target	         Impact
Real Payroll Volume	             $100k+/month	    Validates economic sustainability for investors
Employee Wallet Adoption	         200+	        Shows workforce trust in blockchain payments
System Uptime	                    98.5%	        Meets enterprise SLA requirements for mid-market clients
Compliance Certifications	2+ (PCI DSS + FATF)	    Enables expansion to EU/US markets

Strategic Impact:

  • Processes payroll for 1,000+ unbanked workers via Stellar anchors.

  • Saves SMEs $15k+/year in cross-border fees vs. Wise/PayPal.

Credibility Benchmarks

Industry Challenge	              Traditional Solution	     PayZoll
Cross-Border Speed	                      3-5 days	           15 seconds
FX Fees	                                  5-7%	               1.5%
Compliance Setup Time	                  6-12 months	    3 months (MVP) → 6 months (Mainnet)

Go-To-Market Plan

Strategic Overview

Our go-to-market plan is designed to rapidly validate, launch, and scale our solution within the Stellar ecosystem and beyond. Our approach is structured around three key pillars: ecosystem integration, user acquisition, and iterative growth.

1. Ecosystem Integration and Partnerships

We will leverage the Stellar network’s established community and technical infrastructure to ensure seamless onboarding and interoperability for users and partners.

Early outreach will target existing Stellar projects, wallets, and developer communities to foster integration, cross-promotion, and feedback loops.

We plan to engage with ecosystem partners for pilot programs, co-marketing, and technical collaborations, ensuring our solution addresses real-world needs and achieves early adoption.

2. User Acquisition and Community Engagement

Our initial user acquisition strategy focuses on targeted outreach to early adopters within the Stellar and broader Web3 communities, using educational content, demos, and incentives to drive sign-ups and usage.

We will launch a phased beta, inviting feedback from select users to refine the product and build advocacy among key stakeholders.

Community-driven growth will be encouraged through referral programs, and active participation in Stellar forums, Discord, and social media channels.

3. Iterative Product Development and Scaling

We will employ a data-driven approach, using analytics and user feedback to prioritize feature enhancements and address pain points rapidly.

Post-launch, we will expand our marketing efforts to include partnerships with fintech influencers, content marketing, and participation in industry events to increase visibility and credibility.

As traction builds, we will explore additional distribution channels, including integration with third-party platforms and business development with enterprise clients.

Milestones and Metrics

Beta Launch: Within 1-2 months post-funding, targeting a core group of users for feedback and validation.

Public Launch: After incorporating beta feedback, a broader rollout with PR, social campaigns, and ecosystem events.

Growth Tracking: Key metrics will include user adoption rates, transaction volumes, partner integrations, and community engagement levels.

Sustainable Growth

We will continuously engage with the Stellar Community Fund network for mentorship, funding opportunities (such as the Build and Growth Awards), and ecosystem support to sustain momentum and drive long-term impact.

This multi-phased, ecosystem-centric go-to-market plan ensures that our project not only launches successfully but also achieves meaningful adoption and contributes to the broader Stellar mission.

Traction Evidence

Production Alpha Testing

– Active pilot with real users on our alpha platform in live environments, confirming market validation.

B2B Pilot Clients
– HackQuest (https://www.hackquest.io) and one additional crypto-native team
– Both actively disbursing payroll via PayZoll’s one-click Web3 payroll service

Individual User Adoption
– 10+ pilot users using our India-focused fiat on/off-ramp
– > $10,000 in crypto↔fiat volume processed last month

On-Chain Transaction Proof
– EVM mainnet payroll contract operable at Blockscan:
https://blockscan.com/address/0x2c137ac6bc804a9f798053347802f489f0025768#transactions

Tranche 1 (Deliverable Roadmap) - MVP

Phase 1 Deliverables :

1.⁠ ⁠SDP Setup and Configuration:

* Deploy SDP on Stellar with multi-tenant support.

* Configure for bulk payments with XLM and USDC.

* Fund host distribution account with assets and test payrolls.

2.⁠ ⁠Application Integration:

* Integrate SDP APIs for disbursement management.

* Integrate SDP APIs for client and data management.

3.⁠ ⁠Tenant Dashboard

* Basic employee management system and information dashboard.

* Transaction logs with SDP API

Estimated Date of completion : 10th Aug 2025

Tranche 2 (Deliverable Roadmap) - Testnet

Phase 2 Deliverables :

1.⁠ ⁠Monitoring System

* Central Admin dashboards for log tracking, tenant management and production-ready data flow.

* Automated alerting for failed transactions.

* Transaction records and logs maintenance.

2.⁠ ⁠Employee Portal

* Payment preference management ( wallet support )

* Detailed dashboard for payment and transfer details

* CRUD support for profile maintenance.

Estimated Date of completion : 30th Aug 2025

Tranche 3 (Deliverable Roadmap) - Mainnet

Phase 3 Deliverables :

1.⁠ ⁠Regulated Anchor Integration

* Anchor connectivity via licensed partner

* Regulated anchor support with partnered cash in-out support.

2.⁠ ⁠Wallet Provider and Anchor SDP Support

* Wallet partnerships with anchor and SDP supported partners

* Anchor support in dashboard.

Estimated Date of completion : 15th Sep 2025

Team

A team of best friends turned co-founders, building the next-gen Web3 payments infrastructure, straight out of our college dorms.

We’re final-year Computer Science engineering students, bonded by late-night code sessions, hackathons, and a shared obsession with solving real-world problems using blockchain. PayZoll started as a passion project, it’s now a live product with users, revenue, and global ambitions.

Vaibhav Panwar – Founder & CEO
The vision guy, growth hacker, and product strategist.
Vaibhav leads everything outward-facing at PayZoll from product direction to partnerships and GTM. Before this, he ran regional operations for an e-commerce startup, leading 100+ people and pulling in 6-figure monthly sales. A builder at heart, he’s also a blockchain dev and winner of multiple top-tier Web3 hackathons(BNB Hack Q4 - 1st Place, Stellar Build Better 2025 - 1st Place, ETHIndia 2024 - 2nd Place).

Abhinav Pangaria – Product Lead
The tech brain behind PayZoll’s architecture.
Currently an SWE at JP Morgan, Abhinav brings serious backend muscle, smart contract expertise, and a knack for shipping fast. He’s responsible for the platform’s core systems, payments infra, and cross-chain engineering.

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Abhinav-Pangaria

Abhinav Pangaria

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Vaibhav-Panwar

Vaibhav Panwar

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Project Stats

Team Size
5
Project Type
Payments
Category
Applications
Total awarded
$100.0K*
Awarded Submissions
1

Other Submissions

No other submissions.