Zebec Network is a decentralized payment and infrastructure network that brings real-world value flows onto the blockchain. Founded in 2021 and backed by $35M from top-tier investors such as Coinbase, Circle, and Solana Ventures, Zebec aims to transform how individuals and businesses handle payroll, payments, and financial operations using a real-time, crypto-powered system.
With a suite of tools including Zebec Pay, Zebec Cards, treasury management systems, and ZePIN (Decentralized Physical Infrastructure Network), Zebec leverages the speed and scalability of the Solana blockchain to power fast, secure, and low-cost transactions. As the world moves toward real-world asset (RWA) tokenization and blockchain-powered payroll, Zebec emerges as one of the most promising players in Web3 finance.
Problem Statement
Outdated Payroll Systems: Traditional payroll systems follow fixed monthly or biweekly cycles, creating delays in salary disbursement and limiting workers’ liquidity. These systems also rely on centralized intermediaries, which can add significant fees and increase processing time.
Lack of Real-World Blockchain Integration: While blockchain promises decentralization and efficiency, its integration into real-world payment systems remains limited. Users face friction when converting crypto to fiat or using tokens in day-to-day financial activities.
Inefficient Global Payments: International wire transfers and remittances are slow and costly. Businesses that rely on global talent pools or pay international vendors face operational hurdles due to banking inefficiencies.
Multichain Complexity: Many businesses struggle with interacting across various blockchain ecosystems. Each chain has different protocols and tools, making cross-chain finance operations difficult and resource-intensive.
Lack of DePIN Infrastructure: There is a growing demand for decentralized infrastructure to enable crypto payments in physical settings. However, most payment systems are still centralized and lack hardware and software tools tailored for decentralized environments.
Solutions Provided by Zebec
Real-Time Streaming Payroll: Zebec revolutionizes how employees are paid by allowing them to receive income per second. This live-streaming feature is especially beneficial for contractors, gig workers, and international employees, offering improved liquidity and financial control.
Zebec Cards: Zebec provides Mastercard-backed crypto-to-fiat cards compatible with multiple blockchains. Users can spend their crypto directly at any Mastercard-accepting location. The white-label program also allows projects to issue branded cards, expanding Zebec’s reach.
ZePIN Infrastructure: ZePIN integrates payment hardware into the physical world, allowing for real-time transactions using USDC and other stablecoins. It also facilitates contactless payments, payroll disbursement, and retail crypto integration—marking a major step for DePIN adoption.
Comprehensive Treasury Management: Zebec offers advanced treasury tools for DAOs and Web3 businesses, helping them manage crypto holdings, plan payroll, and disburse funds securely. This tool bridges traditional financial planning with on-chain transparency.
Zebec AI (ZAI): ZAI is an artificial intelligence engine built into Zebec’s ecosystem that monitors transactions, flags suspicious activity, and ensures regulatory compliance. This AI-driven oversight supports risk mitigation for enterprises handling large-scale crypto operations.
Cross-Chain Abstraction Layer: Zebec supports major chains like Solana, Ethereum, BNB, Tron, TON, Sui, and NEAR. Its abstraction layer ensures seamless operability across ecosystems, reducing the learning curve and operational friction for users.
Partnerships
Ripple (June 2025): Zebec’s COO, Simon Babakhani, confirmed ongoing partnership discussions with Ripple for a joint product. The collaboration targets inefficiencies in the U.S. payroll sector, which is valued at over $10 trillion. This strategic move could position Zebec as a leader in blockchain-based payroll innovation.
Chainlink (March 2022): Zebec integrated Chainlink’s Price Feeds to secure and automate its dollar-cost averaging system. This partnership enhances the reliability of Zebec’s DeFi payroll and payment infrastructure on the Solana blockchain, ensuring consistent and accurate price inputs.
ONDO Finance (May 2024): Through this partnership, Zebec integrated ONDO’s USDY stablecoin to strengthen its real-time payroll capabilities using real-world assets (RWAs). The collaboration also includes shared panel discussions and community engagement efforts to further RWA adoption across Web3.
Mastercard (2023): Zebec works with Mastercard to issue its crypto debit cards: the Zebec Black Card and Zebec Silver Card (formerly Zebec Instant). These cards allow users to spend crypto as fiat across the globe and are integrated with Apple Pay and Google Pay for seamless access.
Tokenomics
ZBCN is the native utility and governance token powering Zebec’s expanding ecosystem. Initially launched as ZBC, the updated token model reflects the platform’s multi-chain evolution and growing suite of products.
Total Supply: 100 Billion ZBCN
Token Distribution:
Community & Rewards: 50%
Team & Advisors: 20%
Seed Sale: 9.28%
Private Sale: 10.97%
Public Sale: 5.74%
Market Making: 4%
Utility:
Network fees and discounts
Governance and staking (up to 15% APY)
Used in Zebec Cards
DeFi integrations and collateral
Buyback & Burn Program: Zebec performs periodic buybacks using revenue from Zebec Cards and ZePIN. The tokens are then burned or locked, applying consistent deflationary pressure and rewarding long-term holders.
Roadmap & Milestones
Zebec Pay Super-App: Launching a unified app that integrates payroll, cards, and treasury into one mobile-first solution.
Zebec Card Expansion: New chain integrations, wider token support, improved user controls, and higher limits.
ZePIN Rollout: Piloting payment terminals for real-world crypto transactions in stores and businesses.
ZAI Development: Enhancing compliance and real-time risk management using AI.
Vault System: Treasury management vaults for DAOs and Web3 firms to manage funds transparently.
Project Analysis
Zebec stands out by bridging the blockchain and traditional finance worlds through functional, real-world tools. It offers solutions beyond DeFi hype—bringing payroll, cards, and treasury tools to institutions and individuals. Its emphasis on real-time operations, AI compliance, and physical payment hardware gives it a unique edge.
Zebec’s multi-chain approach, particularly its speed on Solana and compatibility with Ethereum and BNB Chain, enhances accessibility. The platform’s focus on compliance and real-world integration also helps it appeal to both Web2 and Web3 businesses.
Compared to Request Network and Superfluid, Zebec offers more comprehensive services, with real-time streaming, licensed U.S. payroll operations, and actual DePIN hardware—features that most competitors currently lack. However, broader adoption depends on UX improvements and regulatory developments.
Team
Sam Thapaliya: Founder
Simon Babakhani: Chief Operating Officer (COO)
Elena Solovyov: Chief Marketing Officer (CMO)
Kian: Chief Technology Officer (CTO)
Conclusion
Zebec Network is not just another crypto payment solution—it’s a full-stack financial infrastructure platform built for mainstream adoption. With powerful integrations like real-time payroll, Mastercard-backed cards, DePIN hardware, and AI compliance monitoring, it caters to real-world use cases that most blockchain projects overlook.
In contrast to projects like Request Network or Superfluid, which focus solely on streaming payments or on-chain invoicing, Zebec delivers a unified experience that merges on-chain programmability with the usability of traditional finance. Its U.S.-compliant payroll offerings and hardware rollout for DePIN integration set it apart from pure-software competitors.
As the crypto industry shifts toward real-world assets, on-chain treasury, and regulatory compliance, Zebec’s value proposition becomes even more relevant. If execution continues at its current pace, Zebec could define the blueprint for blockchain-native fintech platforms.
