Payzoll

Project Overview / Introduction

PayZoll enables businesses and individuals to accept global stablecoin payments through payment links and invoices with direct fiat bank settlement powered by 0G infrastructure.

PayZoll is a financial technology platform designed to make stablecoin payments as seamless as traditional fintech payments for businesses, freelancers, creators, remote teams, and global users.

Problem Statement

Stablecoins are now widely used for salaries, vendor payments, freelancer payouts, remittances, contractor settlements, creator payments, cross-border business payments, and other digital payouts. But while senders increasingly pay in stablecoins, most individuals and businesses still need to receive funds in their local fiat currency so they can actually use them in their day-to-day operations. The missing layer is a simple, reliable bridge between stablecoin payments and direct bank settlement.

Solution / What PayZoll Does

PayZoll solves this by letting individuals and businesses accept stablecoin payments and receive the equivalent amount directly in their fiat bank accounts. Users can create a payment link and share it with the payer, who can complete the payment from a blockchain wallet in stablecoins. PayZoll then handles the settlement flow in the background, converting the payment into fiat and delivering it to the recipient’s bank account. Users can also receive payments directly to a PayZoll wallet address and later offramp funds with compliant source-of-funds or purpose-code verification.

Key Features

• Stablecoin payment links

• Invoice generation and payment collection

• Wallet-based direct payments

• Automatic fiat settlement to bank accounts

• Fiat offramp support with compliant source-of-funds / purpose-code flow

• Real-time payment confirmation and tracking

• Merchant onboarding and payment metadata management

• 0G-powered decentralized storage and on-chain settlement

Why This Matters / Impact

Stablecoins are becoming one of the fastest-growing global payment rails, but the infrastructure to seamlessly use them in the real world is still limited. Most users do not want to manage crypto complexity — they simply want fast global payments that arrive directly in their bank accounts. PayZoll bridges this gap by making stablecoin payments practical for everyday businesses and individuals, enabling faster settlements, reducing cross-border payment friction, lowering transaction costs, and expanding financial accessibility globally.

0G Components Used

• 0G Storage

  Used for decentralized storage of encrypted merchant onboarding data, invoice PDFs, and payment metadata through immutable storage hashes.

• 0G Chain

  Used as PayZoll’s execution and settlement layer for payment links, invoice creation, payment processing, event-based confirmations, and settlement orchestration.

Business Model

PayZoll currently generates revenue by charging a 0.3–0.5% fee directly on payment volume processed through the platform. In the future, revenue will also come from API and payment infrastructure services for businesses and developers.

Links & Resources

MVP Website (0G) : https://payzoll-mvp.vercel.app/

X : https://x.com/PayZoll

Demo VIdeo : https://drive.google.com/drive/folders/1aMfogzaebCtzGjQ94_cP2m1opK5GurDe?usp=share_link

Payzoll Global Payroll Live in Production on Stellar : https://payzoll.in

This is an MVP built to showcase our stablecoin payment and fiat settlement workflow for this hackathon, with the long-term vision of launching a production-grade payments platform on 0G blockchain.

PayZoll is a revenue-generating venture that has secured over $200K in funding from Stellar Blockchain and others.