Picture this

Who it is for

Amara Okafor runs a seven person design studio from Lisbon with people in Lagos, Manila, Bogota and Accra, and in March a spreadsheet typo sent 4,000 USDC instead of 400. Payroll Tide schedules the run on the 25th, shows a run preview that flags any line that changed since last month, and only sends once Amara and her ops lead Jonas both sign. Staff get payslips, contractors invoice, and each person picks Base, Arc or Polygon.

Two ways to own it

What you get

Base$100

Yours in 2 to 3 days

The user app: team list with staff and contractors, per person chain choice on Base, Arc and Polygon, scheduled monthly runs, run preview with change flags, two approver signing from a Safe, contractor invoice inbox with hour checks, payslips and paid invoice receipts, run history, plans and simulated checkout.

You choose: accent color
You choose: pay schedule (monthly or twice a month)
You choose: approval threshold above two
You choose: payslip branding

Customfrom $1,200

Built around you

Reshape it entirely: new features, your flows, your brand end to end, integrations you need. We scope it with you.

Everything in Base
Custom features and design
Priority build

Why it is new

What exists today, and what this does differently

Why own your own

Stablecoin payroll and multisig payouts already exist. What is new here is the combination for small remote teams in one owned app: a run preview that diffs every line against last month before signing, a two approver floor that no plan can lower, per person chain choice with cross chain legs started early, and payslips for staff next to checked invoices for contractors.

Closest things out there

Stablecoin payroll and contractor tools such as Request Finance, Toku, Franklin and Multiplier, plus Safe based batch payouts; several already route invoices through approvals. Labeled low novelty because the core job is well served.

Checked with web searches in October 2026. A search is not proof that nothing similar exists, and the market moves fast, so we recheck before every build.

What it unlocks

The human in it

Payday stops being a nervous evening of copy and paste, and nobody on the team ever gets paid by one tired person's typo.

The Regatta Board

Races Payroll Tide can enter

2 live races fit this app. Each one says why, with its prize and countdown. The rule on existing code is on the race page.

Grant roundBaseBase Builder GrantsFundingNot announcedRolling, apply any timeWhy it fits. A shipped payroll app with real runs on Base is the kind of usage these grants look at; check current terms.56 other apps can enter tooSee the race Grant roundPolygonPolygon Community GrantsFundingNot announcedRolling, apply any timeWhy it fits. Contractor payouts on Polygon in emerging markets may fit community grant rounds; check current terms.13 other apps can enter tooSee the race

See every race on the board

What you own

The whole app, not a starter kit.

A complete USDC payroll app for small remote teams that you own: teams preview every run, two people sign, staff get payslips and contractors get checked invoices, and your console runs pricing, rules, growth and the run assistant.

Base price · $100

The user app, complete

Every buyer gets the same finished app. Basic branding and copy changes come through a quick form.

Illustrated home with the next run, wallet balance and first-run onboardingHome

Three step welcome, then the one next action: open, fix or confirm this month's run.

Run preview with change flagsRun

Every line and chain compared with last month, big moves flagged, a tide gauge of run total against wallet and cap.

Two approver signingRun

Approver one signs, approver two reviews and can decline with a note. Two is the floor on every plan.

Short wallet plansRun

When the wallet cannot cover the run, pay by due date or sign now and send when covered. Never fronts money.

Team builder with per person chainTeam

Add staff or contractors with amount, due day and Base, Arc or Polygon, with a live new run total.

Contractor invoice inboxTeam

Hours times rate checked against billed amount; approve into the run or ask a question.

Run history with hashesSlips

Paid, held and partial runs with chains, signers and payment hashes, plus a payroll by month chart.

Payslips and paid invoice receiptsSlips

One slip per person per run with the payment hash, clearly marked as not a tax document.

Plan, approvers and invitesMe

Plan upgrade through simulated USDC checkout, approver list, reminders, accountant invites and the share card.

Permissions and visionMe

What the run assistant may and may never do, and where the app is going.

Open the full app demo

Add-on

Owner console

Your admin side: revenue, paywall editor, users, rules and the agent log.

Revenue dashboard and payoutsRevenue

MRR, plan mix, monthly chart, incoming USDC payments and payment method toggles.

Live paywall editorRevenue

Rename tiers, set prices and choose what is gated; the user Plans sheet updates instantly.

Team rulesRules

Change flag threshold, signing window, run cap, invoice tolerance, default chain and the short wallet rule.

Run assistant log and costsAgent

Each run's steps including failed bridge legs and how it adapted, plus monthly running costs.

Roadmap and build requestsRoadmap

v1 included, v2 and v3 add-ons with prices and a request flow.

Top-up

Growth and referrals

Referral and growth mechanics, switched on when you are ready to grow.

Contractor referral loop and sourcesGrowth

Receipt footer, co-approver and accountant seats, source bars and a teams by month chart.

The money path, built in

How it earns for you

Teams pay you a monthly plan. Crew is free for up to four people so small teams start without friction; Studio and Fleet add people, chains, invoices, payslips and approval rules. You never touch the teams' payroll money.

CrewFreeUp to 4 people, monthly runs on Base, two approvers, run preview and plain receipts.

Studio$29 per monthUp to 25 people, per person chain choice on Base, Arc and Polygon, contractor invoice inbox, branded payslips.

Fleet$99 per monthSeveral companies, three of five approval rules, accounting export, yearly statements.

Prices are yours to set. Illustrative, not a promise of income.

Growth loops, built in

How it spreads

Every contractor receipt shows how it was paid, and contractors pass the invoice link to their other clients
Co-approvers get a seat and often start a Crew team for their own side project
Read only accountant seats bring the many small studios one bookkeeper looks after
A free run preview checklist shared in remote work communities

Roadmap · build the next phase with us

Where it goes next

v1 included

The payroll app

Team list with per person chain
Scheduled runs with run preview
Two approver signing from a Safe
Invoices, payslips and history
Plans, paywall editor and console

Included

Accounting and FX view

Xero and QuickBooks export
Local currency estimate on payslips
Expense claims in the same run
Yearly statement per person

Add-on from $450

Streams and advances

Daily pay streams
Capped earned wage advances
Three of five approval rules
Multi company payroll

Add-on from $900

The pitch, ready for investors and grant reviewers

Unlocked when your app is paid in full

Your 2 minute demo script

Unlocked when your app is paid in full

Make it entirely yours

Your brand, pay schedule, extra chains, approval policies, accounting integrations or a white label domain for an agency network are scoped and priced together.

Custom from $1,200

BLUEPRINT

Why it matters and how it really works

The recipe (how it is built, the data, costs, risks, build order, the pitch and the demo script) is unlocked when your app is paid in full.

The need

Small remote teams pay people in five or six countries every month. Most do it from a spreadsheet and a wallet, one transfer at a time, with one tired person checking. A single typo can send ten times the amount, and nobody else sees the run before it leaves.

What exists and what is new

This largely exists. Stablecoin payroll and contractor platforms like Request Finance, Toku, Franklin and Multiplier handle invoices and USDC payouts, and Safe already supports multi signer batch payments. Payroll Tide is an owned, focused take for small teams: a run preview that compares every line with last month, a two approver floor no plan can lower, per person chain choice on Base, Arc and Polygon, and payslips next to checked contractor invoices. Research verdict: exists, low novelty.

The data it runs on

Unlocked when your app is paid in full

1.The mission

Payday should be calm and checked twice, so the people doing the work are paid right and on time wherever they live.

2.Why people can't resist it

The run preview Every line, every chain and every change since last month on one screen before anyone signs, with big changes flagged in orange.

Two people, always A run needs two approvers on every plan. The second one sees the same flags and can decline with a note.

A slip for everyone Staff get a payslip, contractors get a paid invoice receipt, both carrying the payment hash.

3.How it works for real

Unlocked when your app is paid in full

4.Pricing

Cost per use: unlocked when your app is paid in full.

Crew Free

Up to 4 people, monthly runs on Base, two approvers, run preview and plain receipts.

Studio $29 per month

Up to 25 people, per person chain choice on Base, Arc and Polygon, contractor invoice inbox, branded payslips.

Fleet $99 per month

Several companies, three of five approval rules, accounting export, yearly statements for everyone.

5.Growth loop

Every contractor receipt shows how it was paid. Contractors work for several clients and pass the invoice link to the others. Co-approvers and accountants get their own seats and bring their own teams. No cold outreach or mass messages.

6.Risks and guardrails

Unlocked when your app is paid in full

7.Build order

Unlocked when your app is paid in full

8.Where this is going

Now
One small team's monthly run, checked by two people, with a slip for everyone.
Next
Accounting export, local currency estimates on payslips and expense claims in the same run.
Later
Daily pay streams and capped earned wage advances for teams that want them.
The world it builds
Small companies can hire the best person anywhere and pay them as reliably as a big employer, without a bank in the middle.

Costs and tools are estimates at the time of writing. General information only, not legal or financial advice.

OWNER PLAYBOOK

Own it, then chart your voyage

Nine routes from one vessel. Tap a port to open its chart.

Why own Payroll Tide

Every small remote team pays people across borders, and most do it from a spreadsheet with one person checking. Owning Payroll Tide means you run the calm version: a run preview that catches the extra zero, two signatures before anything leaves, and a slip for everyone. Start with your own team or one studio you know, then rent it to every agency that asks how you stopped dreading payday.

What’s stopping you?

“Payroll is regulated and I am not an accountant.”

Payroll Tide does not withhold or file tax and says so on every slip. It moves USDC that a team already decided to pay and keeps records. Teams keep their own accountant; many owners partner with one. This is not tax or legal advice, so tell customers to check locally.

“What if a payment goes to the wrong place?”

Two people sign every run, and addresses are confirmed by each person from their own wallet. A checksum failure pauses the line. The app never sends more than the signed run and never holds the treasury.

“Big payroll companies already do this.”

They do, for companies that want a vendor. Your market is small teams who want something simple they can see, and agencies who want their own branded tool. The two approver floor and the run preview are an easy story to tell.

“I do not know how to find teams who pay in USDC.”

Start with contractors, not companies. Contractors already get paid in USDC by someone and know who pays them messily. The playbook below starts with five conversations, not a marketing plan.

A revenue ladder, step by step

Monthly plans per team, a higher tier for agencies running several companies, and setup fees for teams moving off spreadsheets.

$290

$5,300

$25,000

$90,000

First teams

10 teams on Studio

$29 a month

Known in a niche

150 Studio teams + 10 Fleet

$29 to $99

Agency channel

600 Studio + 80 Fleet

Mixed, plus setup

Category player

2,500 teams + agency partners

Mixed

Make the contractor receipt the best part of the product so contractors carry it to clients
Partner with bookkeepers who look after many small studios
Offer a one time spreadsheet import as a paid setup

Illustrative stages, not a forecast. Results depend on you and the market; nothing here is guaranteed.