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Zebec NatPay Real-Time Payroll Launch integrates blockchain streaming with FedNow to deliver instant wages nationwide for U.S. businesses.
Author: Tanishq Bodh
December 3, 2025 – Zebec Network has announced a landmark integration with NatPay, positioning both firms at the forefront of instant payroll innovation in the United States. Revealed on December 4, the Zebec NatPay Real-Time Payroll Launch connects programmable blockchain payments to the Federal Reserve’s FedNow rails, enabling employers to disburse wages in real time through a new platform called NatPayNOW. The move represents a major convergence between Web3 technologies and the legacy financial system responsible for the country’s $2.5 trillion payroll market.
Zebec, founded in 2021 as a Solana-native payment streaming protocol, described the Zebec NatPay Real-Time Payroll Launch as a transformational step toward “real-time money movement at national scale.” The announcement quickly circulated across X, amassing tens of thousands of views and highlighting growing enthusiasm for financial automation tools that allow employees to access earnings instantly rather than waiting for multi-day batch cycles.
Market observers framed the Zebec NatPay Real-Time Payroll Launch as a pivotal moment for payment streaming adoption. Zebec’s ecosystem—already spanning Mastercard-powered debit cards, stablecoin integrations, and Gatenox-enabled compliance, gains unprecedented reach through NatPay’s trusted presence in HR and payroll systems nationwide.
NatPayNOW, built directly on FedNow’s instant settlement infrastructure, enables 24/7 wage disbursement, with Zebec contributing programmable automation features such as milestone-triggered bonuses or conditional payouts. Analysts believe this integration could meaningfully increase demand for Zebec’s ZBCN token as more enterprises experiment with hybrid fiat-crypto payroll models.
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Despite the strong reception, the Zebec NatPay Real-Time Payroll Launch faces scrutiny. Regulatory obligations around KYC, AML, and payroll compliance remain stringent, and critics warn that reliance on FedNow introduces potential centralization risks. Zebec addresses this through its Gatenox acquisition, which provides enterprise-grade verification and auditability. Still, the ability to scale real-time disbursements across thousands of employers will require rigorous operational testing.
Additionally, stablecoin-linked payroll flows may attract closer examination under evolving frameworks like MiCA and U.S. Treasury guidance. While proponents highlight efficiency gains, skeptics question whether enterprises will immediately adopt crypto-denominated wages at scale.
The Zebec NatPay Real-Time Payroll Launch leverages a hybrid architecture combining blockchain programmability with FedNow’s instant clearing. NatPay’s ACH and HCM infrastructure handles employer onboarding, while Zebec automates continuous or event-triggered payment streams. Employers can mix fiat and stablecoins, allowing for automated conversions between crypto and U.S. dollars without disrupting existing systems.
Early pilots scheduled for Q1 2026 will determine how quickly the integration scales. With U.S. workers increasingly seeking immediate access to wages, the partnership positions Zebec and NatPay at the center of a fast-evolving payroll landscape.
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