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 recoverable P2P transfers, bill and invoice payments to splitting payments, 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;
- Recoverable P2P Transfers with built-in recovery and dispute resolution;
- Invoice and Bills Payments pay your bills and for your favourite services using tokens;
- SplitBills friends are meant to support you, well make them pay splits in your bills;
- 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;
- Inclusive Payment Rails: Sui's parallel execution and sub-second finality power Payzoll's gas-abstracted payroll and micro-streaming services at unprecedented scale.
- RWA & Liquidity: Sui's object-centric data model and Move smart contracts enable Payzoll's tokenized payroll and stablecoin distributions with robust security and compliance.
- Composable Superapps: Leveraging Sui's horizontal scalability and object-ownership model, Payzoll can modularly deploy payroll, streaming, compliance, analytics, and DAO governance as an integrated ecosystem.
- TradFi-to-Web3 Convergence: Both Sui and Payzoll share a commitment to seamlessly onboard traditional finance into the blockchain era. Sui delivers institutional-grade performance, Move's advanced smart contract capabilities, developer-friendly frameworks, and high-throughput settlement, while Payzoll provides fully compliant payroll, fiat on/off-ramps, KYC/AML workflows, and familiar UX abstractionsātogether creating an end-to-end migration path for banks, enterprises, and everyday users to adopt decentralized rails without compromising on performance, security, or regulatory requirements.
Together, Sui and Payzoll drive trustless innovation, financial inclusion, and mass adoption by seamlessly connecting traditional finance rails with decentralized settlement, enabling real-world payroll, payments, and asset management with internet-scale performance.
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. -
Recoverable P2P Transfers
Trust-minimized, recoverable person-to-person transfers with built-in dispute resolution and recovery options, making peer payments reliable and user-friendly. -
Inovice and Bill Payments | Bill Splits Pay for you favourite services and purchases using tokens, hassle free usage and instant convergence. Split subscriptions, bill, invoices among friends.
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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, P2P transfers, Daily Payments 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 SUI Overflow hackathon, we successfully migrated PayZoll's entire ecosystem to the Move programming language and SUI blockchain, delivering a comprehensive suite of enhanced features:
- Move-Based Smart Contract Infrastructure
- Complete language migration: Converted all Solidity contracts to Move, leveraging SUI's object-centric model.
- SUI DPP Kit integration: Built using SUI's developer platform kits for seamless deployment and interaction.
- Object-ownership model: Reimagined our payment flows using SUI's unique ownership and capability patterns.
- Sub-second finality: Leveraging SUI's parallel execution for instant payment confirmations and real-time streams.
- Enhanced Recoverable Transfer Protocol
- Time-locked escrow: SUI-native escrow with programmable time locks for dispute resolution.
- Multi-signature recovery: Enhanced recovery flow with social recovery options using SUI's signature schemes.
- Atomic transactions: Leveraging SUI's transaction atomicity for safer P2P transfers and refunds.
- Dispute resolution framework: On-chain arbitration system for contested transfers and recoveries.
- Bill & Invoice Payment System
- Invoice object creation: Native SUI objects for invoice representation and state tracking.
- Bill splitting module: Split expenses among multiple participants with automatic balance tracking.
- Subscription management: Recurring payment objects with cancellation capabilities.
- Payment verification: Cryptographically verifiable proof of payment for invoices and bills.
- Client-Side Integration
- SUI wallet connectors: Complete integration with Slush.
- Transaction simulation: Pre-flight checks and gas estimations using SUI's simulation capabilities.
- Object viewer: Interactive UI for viewing and interacting with on-chain payment objects.
- Real-time transaction monitoring: Live updates on transaction status using SUI's event system.
- Ongoing & Upcoming SUI Enhancements
- Move-based AI agents: Specialized agents for auto-triggering payments and managing recurring transactions.
- Cross-chain bridges: Connecting SUI payroll infrastructure with other supported chains.
- zkLogin integration: Privacy-preserving authentication using SUI's zkLogin capabilities.
- Advanced object capabilities: Leveraging SUI's extended object model for more complex payment flows.
With these SUI-specific enhancements, PayZoll has transformed into a true native SUI application, taking full advantage of Move's safety guarantees, SUI's object model, and the network's high-performance characteristicsācreating an unparalleled financial infrastructure for the SUI ecosystem.
After extensive evaluation of blockchain ecosystems in early 2024, we strategically selected SUI and Move as our primary development platform. Our technical assessment compared EVM-based solutions (Solidity), Rust frameworks, and Move language, with SUI emerging as the clear winner for our financial infrastructure needs.
Key factors that positioned SUI as optimal:
- Object-centric model: Perfect alignment with financial assets and payment flows
- Move language: Superior safety guarantees essential for financial applications
- Parallel execution: Enabling the high throughput required for global payment systems
- Sub-second finality: Critical for real-time financial transactions and streaming
- Advanced ownership model: Foundational for our recoverable transfer protocol
Our development timeline has been methodical and milestone-driven:
- Feb 2024: Technical evaluation and architecture planning
- Mar 2024: Core protocol design and SUI object model implementation
- Apr 2024: Payment flows, recovery mechanics, and compliance framework
- May 2024: Testing, optimization, and front-end integration
This focused approach with SUI has allowed us to build a more robust, secure, and scalable infrastructure than would have been possible on alternative chainsāpositioning PayZoll at the forefront of Web3 financial innovation.
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.
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 PayZoll Core Development: Architected and implemented core protocols for Stellar, Sui, and Aptos blockchains, focusing on cross-chain compatibility and native features.
- Q1 2025 ā P2P Recovery Protocol: Designed and built novel recoverable P2P transfer system with dispute resolution mechanisms and time-locked escrow capabilities.
- Q1 2025 ā Payment Streaming & Invoicing: Developed real-time payment streaming infrastructure and complete invoice/bill payment system with splitting capabilities.
- Q2 2025 ā Smart Contract Migration: Successfully migrated entire contract suite from Solidity to Move language, optimizing for SUI's object-centric model.
- Ongoing ā Full-Stack Development: Overseeing architecture across Move smart contracts, Next.js frontend, and NestJS backend services with security audits and gas optimizations.
Tech Stack: Solidity, Move, Rust, MERN (Next.js, React, Node.js), NestJS, Automations, Contract Security, Multi-chain Development
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
Our smart contracts are live and operational on both Sui Testnet and Mainnet networks. Below are the official deployed contract addresses for reference and integration:
| Contract | Network | Address |
|---|---|---|
| Secure Transfer | Mainnet | 0xe48836adecb638703f5444b2d26fefb729c967c9455334867c3f25a6edc7e610 |
| Secure Transfer | Testnet | 0x5a9a6c0db570d796c0369cefc05a184fcd24541afa8986e392e6890a3472832d |
| Bulk Payroll | Mainnet | 0x777cae1b97c072eae268f19012120b979a28430ea12020bd294571cf94303593 |
| Bulk Payroll | Testnet | 0xfbd9c32958b04d778001a21c2b512b8688e635120f03b22cf3ff6bada43f477c |
You can view our first mainnet transaction for the Bulk Payroll contract here: View on SuiScan
Note: Always verify contract addresses through official channels before interacting with them.
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Empowering global payments infrastructure with the power of decentralized technology and Sui's ecosystem.