Payroll
Pay anyone, anywhere, without exposing
Stablecoins made global payroll fast and affordable. But they also made it public. Private stablecoins keep the efficiency gains while ensuring financial data stays out of public view.
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See what private stablecoins can do for your team
We work directly with businesses paying people around the world. Tell us how you currently pay and we'll show you what's possible.
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How private stablecoin payroll works, and why it matters
Paying people across borders used to be a problem only large organizations could afford to solve. Payments moved through correspondent banks, took days to settle, and lost value with every transaction. As the internet made contractor markets global, businesses could hire talent from almost anywhere in the world. But paying those people remained a challenge.
Stablecoins solved the speed and cost problem. A stablecoin is a digital currency pegged to a stable asset, usually the US dollar, so its value doesn't fluctuate the way other cryptocurrencies do. Payments settle in seconds, cost a fraction of a wire, and can reach anyone with internet access.
Stablecoins on public blockchains create a new problem: every payment is visible. Sender, recipient, amount, and timestamp sit on a permanent public ledger. A contractor can work out what every colleague earns, and a competitor has easy access to your company's sensitive financial data. For the people being paid, the stakes are even higher. A visible balance attached to a known address is a digital safety concern. Businesses that pay in stablecoins without explaining what that exposes are introducing new risk for their workers.
Adding privacy afterward doesn't work. Middleware tried to solve this, but tools built on top of transparent chains still reveal metadata at the base layer. Mixers and privacy coins introduce compliance and reputational risk that regulated businesses cannot take on. These shortcomings are the primary reason major institutions have not taken advantage of the efficiency gains stablecoins offer.
Aleo makes onchain finance usable for all types of businesses. Transactions are encrypted at the protocol level using zero-knowledge proofs, so amounts and counterparties stay hidden while the network still verifies every payment. This design led to the launch of the first private, programmable stablecoin, USDCx on Aleo.
Private stablecoins on Aleo open the door for institutions to move onchain without exposing their financial data.
The advantage of private stablecoins
Aleo is home to the world's first private and programmable stablecoins, allowing organizations to pay teams anywhere in the world in seconds.
Every payroll run stays auditable for regulators and compliance teams, while salaries and money flows stay private, keeping the people you work with protected.
Fast global settlement
Pay anyone, anywhere, in seconds. Payroll runs settle instantly, around the clock, without banking cut-off times, correspondent chains, or multi-day waits for funds to land.
Cost effective
Transfer fees stay low and predictable, so the cost of a payroll run doesn't shift with network conditions. More of every dollar reaches the people you're paying.
Simplified operations
No burner wallets, mixers, or workarounds. Privacy is the default state of every transaction, so your team runs payroll normally instead of managing a separate privacy process.
Codified privacy
Privacy is built into the code itself, not added on top. Zero-knowledge proofs confirm every payment without revealing salaries, bonuses, treasury movements, or who was paid.
Selective disclosure
Privacy is programmable, so you decide exactly what to reveal and to whom. Auditors, tax authorities, and regulators get a complete, verifiable record. No one else sees a thing.
Easy integration
Keep the systems you already use. Private stablecoin payroll runs through ADP, Workday, UKG, and Gusto via Toku's API, with no migration and no change to existing processes.
How Aleo compares to alternative disbursement options
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Find out how private stablecoins can help your business grow fast and stay secure.
Information Hub
Learn more
Documentation, deep dives, developer tools, and research on the technology powering private payroll.
The world's first private, programmable stablecoins
USDCx and USAD bring Aleo's zero-knowledge privacy to stablecoins, so financial support moves privately anywhere on the globe in seconds.
Build on the private payment layer
Dive into the developer documentation, open tooling, APIs, and ZK primitives that let your team integrate private payments into any platform.
Leaders in financial privacy policy conversations
Aleo's team has authored foundational research on how private digital payments can meet regulatory and compliance standards.
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