Use case - Payroll infrastructure

Global Payouts for Payroll Platforms

Pay employees and contractors worldwide instantly and compliantly. Meld enables seamless payroll payouts without correspondent banks or cut-off times.

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The Meld network for payroll

180+

Countries covered

90+

Local payout rails

30+

Stablecoins

100M+

Transactions completed

One API

For bulk payouts

The four chronic problems

Global payroll operators face four pains on traditional rails

Meld simplifies payroll payments with faster settlement, lower costs, and streamlined compliance all through one API.

Building on wire & ACH

Slow, expensive, fragmented

Building on Meld

Instant, low-cost, global

Slow settlement 2-5 business days on traditional rails, longer to emerging markets.

Near-instant settlement from any stablecoin on any chain to any local fiat, including emerging markets.

High fees 2-5% leakage per payout from FX spreads and correspondent bank fees.

50-80% lower combined FX and transfer costs with predictable volume-based pricing.

Compliance friction a new banking partner, KYC vendor, and sanctions process for every market.

Embedded compliance KYC, KYB, sanctions, and local verification handled at the ramp layer.

Poor worker experience paychecks stuck in transit, devalued by FX, and no say in how they're paid: workers can't choose between local currency and holding stablecoins.

Better worker experience real-time delivery in local currency or stablecoins, the worker's choice at payout.

How Meld delivers

Three pillars: Coverage, Conversion, Convenience

Every deposit and payout your platform runs passes through these three layers, built once into the Meld network.

01 Coverage

Country, method and asset

Reach contractors and employees wherever they live, paid however they want, in whichever stablecoin or asset your treasury holds.

Global access

to 180+ countries

Global funding

90+ payment methods (bank, mobile money, cards)

Multiple Stablecoins

30+ stablecoins across chains

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02 Conversion

Every transaction lands

Ramp Intelligence is the engine behind every pay-in and payout. It scores each ramp on cost, speed and historical success, then routes in real time. Money moves in and out reliably, with instant delivery and never a stuck or failed transaction.

Instant Payout

to local fiat, or hold in stablecoin

Ramp Intelligence

intelligent quote ranking that boosts conversions

Multiple chains

pay across 50+ chains in stablecoin

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03 Convenience

One contract to go global

Sign one contract, build one integration, and launch in hours, not months of wiring up ramps one by one. Use our pre-built UI or fully white-label the payout experience under your own brand.

Single contract

access multiple ramps with one integration

Fast launch

in days, and not months

Scaled network

100M+ transactions, $2B+ in volume

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The network

Scale payroll across global markets with one integration

Payment infrastructure built for payroll providers, EOR platforms, HR and workforce management solutions, and freelancer ecosystems. Integrate once with Meld, and access local payment rails and currencies across 180+ countries.