Global payroll that keeps every salary private.
Fund a treasury in USDC, approve the run the agent prepares, and every contractor is paid in seconds. The amounts stay yours.
Here's where payroll stands.
Your payroll is a public diary.
On a public ledger, anyone can read what each person earns. Disburs is private by default and auditable when required: the network verifies every payment without seeing the amount, and an auditor sees the figures only when you hand them a view key.
- 1,250.00 USDC
Kwabena MensahGA7K…3WPD · payday - 3,800.00 USDC
Thabo NkosiGBSV…2KQN · payday - 940.00 USDC
Wanjiru KamauGCTE…9XLM · payday - 2,150.00 USDCAbena OwusuGDWC…8RTF · payday
- 1,600.00 USDCSipho DlaminiGEPD…5VKJ · payday
Every amount, every month, forever. Your team can read each other’s salaries; so can your competitors.
- Kwabena MensahAccra, GH••••••.••USDCProof verified
- Thabo NkosiCape Town, ZA••••••.••USDCProof verified
- Wanjiru KamauNairobi, KE••••••.••USDCProof verified
- Abena OwusuKumasi, GH••••••.••USDCProof verified
- Sipho DlaminiJohannesburg, ZA••••••.••USDCProof verified
Verified by proof: right recipient, within budget. The amount never leaves your records unless you share a view key.
Payroll, without the payroll work.
Private payroll for global teams, run by an agent inside the limits you set — settled in USDC on Stellar.
Payroll, prepared for you.
The agent reads the contracts, applies rate changes, picks the FX window and clears the routine exceptions. It proposes; it never holds the keys. Every decision is written down in plain English, and nothing moves until you approve it.
- 18 contracts reviewed09:02:11
- 1 FX rate updated · 1 USDC = 15.42 GHS09:02:40
- 2 exceptions resolved09:03:05
- 18 payroll lines prepared09:03:07
Why teams switch to Disburs.
Payments settle on Stellar in about four seconds, instead of the three to five business days a bank wire takes. Your contractors know exactly when payday is.
0.5% per payroll run plus Stellar's network fee, which is under a cent per payment. No FX spread hidden in the rate, no per-payment surcharge.
Amounts are verified by proof, never written to the public ledger. Employees, competitors and anyone with the address stop seeing what each person earns. When an auditor asks, you share a view key and they see exactly what they need, and nothing else.
Every line is matched to its on-chain reference the moment it settles. Nothing to chase after payday, nothing to reconstruct at audit time.
Contracts read, rates applied, exceptions cleared, every decision logged in plain English. Your only job on payday is a single approval.
Why USDC on Stellar.
Dollar stability with settlement rails built for small, frequent, global payments.
- Peg
- 1 USDC = 1 USD
- Reserves
- Cash and short-dated U.S. Treasuries
- Network
- Stellar
- Settlement
- About 4 seconds
- Network fee
- Under $0.01 per payment
Stellar
Circle
- Stable value
- USDC is a fully reserved dollar stablecoin issued by Circle. What you send is what arrives, with no rate surprise between approval and settlement.
- Four-second finality
- Stellar confirms payments in seconds and charges a fraction of a cent. Batch payouts to every contractor land at once.
- Withdraw anywhere
- Contractors in Kenya, Ghana and South Africa convert USDC to shillings, cedis or rand through Stellar anchor partners, with more countries on the way. Nothing to install, no crypto to understand.
- Verifiable settlement
- Every payment has an on-chain reference that can be independently checked, while the amount itself stays private.
Two sides of every payment.
For companies
- One treasury, funded in USDC
- Runs drafted from your contracts
- Salaries private, every line reconciled
- Spending caps and approval gates you set
For contractors
- Nothing to install, no crypto to understand
- Receive USDC, withdraw to any wallet or exchange
- What you earn stays between you and your employer
- A clean record of every payment
Three steps to payday.
From a funded treasury to settled salaries, with one human decision in the middle.
- 01
Fund your treasury
Top up once in USDC. One balance covers every contractor, in every country.
- 02
The agent proposes the run
Contracts read, rates applied, exceptions cleared. Policy checks and a zero-knowledge proof validate every line before it reaches you.
- 03
You authorize. We settle.
Nothing moves without your approval. Then every contractor is paid in about four seconds, every salary kept private.
Built for the responsibility of payroll.
Disburs is custodial so your team never touches a key or a gas fee. That makes custody our responsibility — here is how we carry it.
- Separation of duties
- The agent proposes. A policy engine validates. Zero-knowledge proofs verify. You authorize. Only then does payment infrastructure execute. The agent never holds keys or a balance.
- Key custody
- Keys are envelope-encrypted at rest (AES-256-GCM) and only ever used to sign your own payments. A leaked database alone can't move money.
- Approval gates
- You write the rules and the agent operates inside them. Runs above your threshold wait for a sign-off. A new wallet waits for contractor verification. A raise over 20% waits for a human.
- Spending limits
- Policy limits the agent can never propose past, on any run, in any currency.
- Privacy
- Private by default, auditable when required. Zero-knowledge proofs keep every amount off the public chain while proving each payment valid. A view key discloses your history to an auditor, and to no one else.
- Encryption
- Contracts and payroll data are encrypted in transit and at rest.
- Audit trail
- Every agent decision is logged in plain English, with the on-chain reference beside it.
- Verifiable settlement
- Every payment settles on Stellar and can be independently checked.
- Revocation
- Pause the agent in a single action. Nothing in flight can settle without you.
Simple plans. One flat fee.
Every plan includes the payroll agent, policy checks, zero-knowledge verification, and a flat 0.5% fee per payroll run. Waitlist companies lock these rates.
For small teams paying up to 10 contractors.
Everything you need to run payroll
- Core zero-knowledge privacy
- Stellar batch payouts
- Withdraw to any Stellar wallet
- Basic reporting
- Email support
For growing teams of 11 to 50 contractors.
Everything in Starter, plus
- Contract reading & interpretation
- Routine exception handling
- FX rate optimization
- Withdraw to any Stellar wallet
- Priority support
For teams paying 50+ contractors.
Everything in Growth, plus
- Platform integration APIs
- Custom approval workflows
- Withdraw to any Stellar wallet
- Zero-knowledge private payroll
- Dedicated support
Prices in USD and subject to change before launch. Need more than Scale? Talk to us about Enterprise.
Questions, answered plainly.
Everything about how the agent runs, protects and pays out your payroll.
No. They get a simple link, receive USDC, and convert to shillings, cedis or rand instantly through local partners. No wallets to manage, no jargon.
Today: Kenya, Ghana and South Africa, with more on the way. Contractors convert USDC to local currency through Stellar anchor partners.
Disburs is in private beta. Join the waitlist and the first 20 companies get three months free.