New Service6 Payment Rails

Global
Payroll.
Borderless.

Transform your payroll operations with instant, borderless payments. Pay your global team via mobile money, local bank wires, real-time networks, stablecoins, SWIFT, or mobile wallets — eliminating delays, reducing costs by up to 90%, and reaching every worker regardless of their location or banking access.

90%Cost reduction
SecondsSettlement time
190+Countries supported
24/7Always-on payroll
The Shift

Old Payroll vs Stablecoin Payroll

Traditional wire transfers were designed in the 1970s. Your global team deserves better.

Traditional Wire
KeyBS Stablecoin
Settlement speed
3–7 business days
Seconds to minutes
Cost per payment
$30–$60 per wire
$0.01–$1 (network fee)
Weekend payments
❌ Banks are closed
✓ 24/7/365
Unbanked workers
❌ Bank account required
✓ Crypto wallet only
Cross-border FX
❌ Hidden spreads 2–4%
✓ Stable USD value (USDT)
Geographic reach
⚠️ Correspondent bank required
✓ Any country with internet
Transparency
❌ Opaque bank fees
✓ On-chain, auditable
Early/on-demand pay
❌ Fixed monthly cycles
✓ Pay daily / on demand
How It Works

From Payroll Run to
Employee Wallet in Seconds

Six steps. Entire team paid simultaneously. Settlement in seconds, not days.

1

Set Up Your Company Account

Complete company KYC (registration docs, director ID) and set up your KeyBS payroll workspace. Takes 24–48 hours. One-time setup — no monthly maintenance.

⏱ 24–48 hr business verification

2

Add Your Team Members

Add employees and contractors with their USDT/USDC wallet addresses, or onboard them via email and KeyBS creates a custodial wallet on their behalf automatically.

📋 CSV import · Individual add · API integration

3

Fund Your Payroll Wallet

Deposit USDT or USDC into your KeyBS payroll account. Or fund in NGN, GHS, USD, or GBP and we convert to USDT at the live market rate before distribution.

💳 USDT · USDC · Bank wire · Mobile money

4

Set Salaries & Run Payroll

Set each team member's salary in USD or their local equivalent. Review the full run — who gets what, in which stablecoin, on which network — then confirm.

🔍 Full preview before any funds move

5

Instant On-Chain Settlement

KeyBS executes all payments simultaneously. Each employee receives their USDT/USDC in seconds. Transaction hash generated for every payment — fully traceable.

⚡ Settles in seconds (TRC-20) · Minutes (other chains)

6

Workers Convert to Local Currency

Employees can hold their stablecoin, convert to local currency via KeyBS's off-ramp (mobile money or bank), or spend directly with USDT-compatible merchants.

💱 Off-ramp to NGN · GHS · KES · ZAR · +25 currencies

Payout Methods — By Region

Matched to each employee's country & preference

Mobile Money
Africa
Instant
Local Bank Wires
Africa · Americas · APAC · Europe · Middle East
T+0 to T+1
Real-Time Payments
Global
Instant / Same-day
Stablecoin Transfers
190+ Countries
Seconds
SWIFT International
150+ Countries
T+1 to T+3
Mobile Wallets
Asia · Africa · Global
Instant
Real Numbers

How Much Could You Save?

Based on a 50-person team paid monthly via international wire vs KeyBS Stablecoin Payroll

Wire cost per employee

$45$0.50

98.9% saved

Total monthly for 50 staff

$2,250$25

$2,225 saved/month

Annual savings

$27,000$300

$26,700 saved/year

Everything Included

Built for the Future of Work

Every feature your distributed team needs to get paid instantly, anywhere.

Instant Settlement

Payments settle in seconds on TRC-20 or minutes on other networks — not 3–7 business days. Your team gets paid the moment you run payroll.

Truly Borderless

Send to any country with an internet connection. No correspondent bank needed, no SWIFT codes, no geographic restrictions. 190+ countries, zero barriers.

90% Cost Reduction

Traditional wire transfers cost $30–$60 per employee. Stablecoin payments cost cents. On a 50-person team, that's over $25,000 saved annually.

No Bank Account Required

Workers receive to any USDT/USDC-compatible wallet. Perfect for contractors and employees in regions with limited banking infrastructure.

Integrated Local Off-Ramp

Workers can instantly convert their USDT/USDC to local currency via KeyBS's built-in off-ramp — to mobile money (M-Pesa, MoMo) or local bank account.

Flexible Pay Cycles

Break free from the monthly cycle. Pay weekly, bi-weekly, daily, or on-demand. Earned Wage Access lets workers withdraw earned salary any day of the month.

Stable Value — Zero Volatility

USDT and USDC maintain a 1:1 peg to the US Dollar. Your employees receive stable, predictable value — not volatile crypto. The best of both worlds.

Full Payroll Reporting

Every transaction is on-chain and fully auditable. Generate TXID-linked payroll reports, compliance records, and reconciliation statements in one click.

Settlement Rails

Your Team Gets Paid Their Way

Six payment rails — matched to each employee's country and preference. From M-Pesa in Kenya to PIX in Brazil and USDT on Tron, everyone receives payment through the method they use every day.

Instant

Mobile Money

Africa

Instant transfers to mobile wallets widely used across Africa. Workers receive directly to their mobile wallet — no bank account required.

M-PesaAirtel MoneyVodacomOrange MoneyMTN MoMoWave
T+0 to T+1

Local Bank Wires

Africa · Americas · APAC · Europe · Middle East

Send money to domestic bank accounts using local rails. Instant or same-day settlement across all major regions.

ACH (US)Fedwire (US)EFT (Canada)Local Wire (Australia)
Instant / Same-day

Real-Time Payments

Global

Fast, low-cost payment networks purpose-built for instant settlement — the modern alternative to SWIFT for domestic and regional payroll.

PIX (Brazil)UPI (India)SEPA Instant (EU)Faster Payments (UK)FedNow (US)SPEI (Mexico)IPP (UAE)Instant EFT (SA)FAST (Singapore)Interac (Canada)
Seconds

Stablecoin Transfers

190+ Countries

Send USDC, USDT, or EURc for instant, borderless payouts on major blockchains. Fully on-chain, auditable, and censorship-resistant.

EthereumArbitrumBasePolygonOptimismStarknetTron
T+1 to T+3

SWIFT International

150+ Countries

Transfer EUR, GBP, or USD to 150+ countries via SWIFT. Ideal for accounts without local rails or employees in less-connected regions.

EURGBPUSD
Instant

Mobile Wallets

Asia · Africa · Global

Pay with digital wallets for fast, convenient cross-border transfers — ideal for remote workers and contractors in Asia and beyond.

AlipayWeChat Pay (China)TigoMoneyPapara (Turkey)GCash (Philippines)PayPalVenmo (soon)
Payroll Calculator

See Exactly How Much You Save

Adjust your team size, average salary, and location. See your real monthly and annual savings vs traditional SWIFT wire — instantly.

25
1 employee500 employees
$1,500
$200$10,000
RecommendedMobile Money

SWIFT estimate: $45/wire + 2.5% FX spread per employee

KeyBS rate: $1/employee + 0.5% FX

Monthly savings

$1,863

90.3% cheaper than SWIFT wire

Traditional SWIFT Wire$2,063/mo
KeyBS Global Payroll$200/mo
$1,863
Monthly savings
$22,350
Annual savings
Start Saving $22,350/year
Pricing

Flat Per-Employee Pricing

Pay per person, per run. No percentage fees eating into your payroll budget.

Startup
Up to 25 employees
$1per employee / run

vs $30–60 by wire

  • Up to 25 team members
  • USDT & USDC supported
  • TRC-20, BEP-20, Base, Solana
  • Instant on-chain settlement
  • Payroll reconciliation report
  • Employee wallet onboarding
  • Email support
Start Free
Most Popular
Growth
26 – 250 employees
$0.50per employee / run

98% cheaper than SWIFT

  • Up to 250 team members
  • All Startup features
  • Local off-ramp integration
  • Scheduled payroll runs
  • Earned Wage Access (EWA)
  • WhatsApp + email notifications
  • FX funding (NGN/GHS/USD → USDT)
  • Dedicated account manager
Get Started
Enterprise
250+ employees
Customvolume pricing

Negotiated per run

  • Unlimited employees
  • All Growth features
  • API & HRIS integration
  • Multi-entity payroll
  • Custom stablecoin networks
  • SLA guarantees
  • White-glove onboarding
  • Dedicated treasury desk
Contact Sales

Network transaction fees (typically $0.01–$0.50) charged at cost, not marked up. Applicable taxes charged separately where required by law.

Up to 90%
Cost reduction
vs traditional wire
Seconds
Settlement time
via TRC-20 network
190+
Countries reached
any internet connection
24/7
Always on
no banking hours
Who It's For

Built for Every Organisation with a Global Team

Remote-First Companies

African Businesses with Global Teams

Gig Platforms & Freelance Marketplaces

Outsourcing & BPO Firms

VC-Backed Startups

NGOs & International Development

FAQ

Common Questions

Ready to Transform
Your Global Payroll?

Join forward-thinking companies paying their global teams instantly, affordably, and without borders — using KeyBS Global Payroll.

No setup fee · No minimum contract · Onboarding in 24–48 hours