Quipay
Payroll on Autopilot
Quipay is a decentralized payroll infrastructure built on Stellar using Soroban smart contracts. It enables employers to automate workforce payments using programmable streaming payment contracts and AI-assisted treasury management.
The protocol supports global workforce payroll with real-time salary streaming, treasury solvency management, and automated payment execution.
Quipay aims to become the default global payroll settlement layer by enabling:
- Borderless salary payments
- Real-time payroll streaming
- Autonomous treasury optimization
- Transparent and verifiable payroll execution
Traditional payroll systems suffer from:
- Manual payment processing
- Delayed settlement cycles
- Multi-jurisdiction payroll complexity
- High cross-border payment fees
- Currency conversion overhead
- Treasury liquidity mismanagement
- Lack of verifiable payment records
- Payroll disputes
- Limited payment flexibility
- Enable continuous salary streaming using Soroban smart contracts
- Provide secure employer treasury management
- Enable AI-driven payroll automation
- Support global multi-token payroll payments
| Metric | Target |
|---|---|
| Payroll stream execution success | > 99.9% |
| Treasury solvency accuracy | 100% |
| Worker withdrawal latency | < 5 seconds |
| Transaction cost | <$0.01 average |
| Employer onboarding time | < 10 minutes |
- DAOs
- Remote-first companies
- Web3 startups
- International contractors
- Freelancers
- Remote employees
- Gig workers
- Finance teams
- Payroll administrators
Description: Allows employers to stream salary payments continuously over time.
Functional Requirements:
- Employer specifies:
- Worker address
- Token asset
- Payment rate
- Start timestamp
- End timestamp
- Workers can withdraw earned balance at any time.
- Employer or authorized agent can terminate stream.
- Contract must:
- Pay worker owed amount
- Return remaining funds to employer
Description: Employer fund storage contract that guarantees payment solvency.
Functional Requirements:
- Employers deposit tokens used for payroll.
- System must prevent creation of streams if liabilities exceed treasury balance.
- Employers can withdraw unused funds.
- Treasury Vault supports multi-signature Stellar accounts as admin.
- Enables decentralized governance for DAOs and enterprise clients.
- Signature threshold validation occurs at Stellar network level before contract execution.
- See DAO Treasury Setup Guide for configuration details.
Description: Stores worker payment metadata.
Functional Requirements:
- Worker wallet
- Preferred payment token
- Metadata reference hash
Description: Off-chain AI agent responsible for automating payroll operations.
Functional Requirements:
- Whitelisted AI wallets can execute automation tasks.
- AI triggers payment cycles.
- AI recommends or executes treasury rebalancing.
- All fund transfers must require authorization
- Prevent double withdrawal
- Enforce treasury solvency invariants
- Protection against timestamp manipulation
- Stream withdrawal must execute within one ledger cycle
- Smart contracts must optimize storage costs
- Contracts must support deterministic execution
- Protocol must ensure payment consistency even under network congestion
- Support thousands of concurrent payroll streams
- Efficient storage indexing
Responsible for:
- Stream creation
- Accrual calculation
- Withdrawals
- Stream lifecycle management
Responsible for:
- Employer funds custody
- Liability accounting
- Deposit and withdrawal logic
Responsible for:
- Worker profile storage
- Metadata management
Responsible for:
- AI authorization
- Automated execution routing
Handles:
- Payroll scheduling
- Risk detection
- Treasury balancing
- Employer notifications
- Employer Address
- Worker Address
- Token Address
- Payment Rate
- Start Time
- End Time
- Withdrawn Amount
- Stream Status
- Employer Address
- Token Balances
- Liability Ledger
- Wallet Address
- Payment Preference
- Metadata Reference
- Connect wallet
- Deposit treasury funds
- Register workers
- Create payroll streams
- Monitor payroll dashboard
- Connect wallet
- View active streams
- Withdraw earned salary
- Track payment history
- Support KYC integration via external providers
- Maintain hashed payroll audit logs
- Allow jurisdiction tagging for tax reporting
| Risk | Mitigation |
|---|---|
| Treasury insolvency | Enforce liability checks |
| Unauthorized automation | Agent whitelisting |
| Smart contract exploits | Formal auditing |
| Payment disputes | Immutable ledger audit logs |
- Single employer treasury
- XLM + one asset support
- Basic payroll streaming
- Manual withdrawals
- AI agent authorization framework
- FX conversion
- Tax automation
- Multi-employer orchestration
- Multi-currency FX routing
- DAO payroll governance
- Bonus and performance streaming
- On-chain employment agreements
- Compliance automation
- AI predictive treasury analytics
- Stellar Soroban Runtime
- Stellar Asset Contracts
- Off-chain AI infrastructure
- Wallet integration (Freighter, Albedo, etc.)
- Should workers allow partial stream withdrawal?
- Should payroll streams be transferable?
Should employer governance be multi-sig controlled?✅ Resolved: Treasury Vault supports multisig admin accounts. See DAO Treasury Setup Guide- Should AI agents require stake-based trust?
| Phase | Description |
|---|---|
| Phase 1 | Protocol MVP |
| Phase 2 | AI Automation Integration |
| Phase 3 | Compliance & Reporting |
| Phase 4 | Enterprise Payroll Features |
The product is considered successful when:
- Employers can create payroll streams
- Workers can withdraw real-time earnings
- Treasury solvency is enforced
- AI agents can trigger automated payroll actions
- All transactions are verifiable on Stellar
Quipay must prioritize:
- Payment correctness over feature velocity
- Treasury safety invariants
- Minimal contract storage footprint
- Upgrade-safe architecture