Payroll and vendor payouts,settled in one transaction.
payrail turns a spreadsheet into a single USDC settlement on Arc — with on-chain approval controls, predictable fees and records your finance team can reconcile.
Get testnet USDC from the Circle faucet →- < 1s
- finality
- USDC
- is the gas token
- 500
- recipients per tx
June contractor payroll
142 recipients · USDC
WORKFLOW
How a payout run works
Four steps, two signers, one settlement transaction. Every step is enforced by the distributor contract rather than by convention.
Fund treasury
Hold USDC in your own wallet or Safe, and approve payrail as a spender.
Upload batch
Drop a CSV of address, amount, reference. payrail validates and hashes it before anything is signed.
Approve
A second signer approves the committed payload on-chain.
Settle & reconcile
Execute once, then export the payout events as a reconciliation file.
PLATFORM
Built for finance operations
One batch, one transaction
Upload a CSV of thousands of recipients. payrail commits the payload on-chain, then settles it in a single transaction against your treasury allowance.
Maker / checker approval
The operator who builds a batch can never approve it. Approval is enforced by the contract, not by your process document.
Funds never leave your treasury
payrail holds no balance. It spends an ERC-20 allowance from the treasury you control, so a paused or retired distributor cannot trap money.
Fees you can quote
Gas on Arc is paid in USDC with stable pricing, so the cost of a payout run is known before you press send.
Settled in under a second
Arc has deterministic finality: once the transaction lands it is final. No confirmation waiting, no reorg handling.
USDC and EURC
Pay contractors in dollars or euros from the same treasury, both native on Arc.
Audit-ready records
Every payout emits an event with recipient, amount and batch id. Export a reconciliation CSV straight from the console.
Idempotent by design
A batch id can only be executed once. Retrying a failed run can never double-pay a recipient.
USE CASES
What teams pay with it
Contractor payroll
Monthly runs for global contractors, priced and paid in USDC.
Vendor settlement
Net-30 supplier invoices settled in one batch with references intact.
Affiliate commissions
High-volume, low-value payouts where per-transfer fees usually hurt.
Marketplace sellers
Scheduled seller disbursements with the payload hash as proof of intent.
Refunds
Bulk refunds tied to an internal batch id you can search later.
Treasury sweeps
Move funds to operating wallets under a two-signer control.
NETWORK
Built on Arc
payrail runs on Arc Testnet. Arc is Circle's layer 1 where USDC is the native gas token. Arc mainnet is not open to the public yet, so the app targets testnet and reads its chain configuration from the environment — the same build points at mainnet once an RPC endpoint is available.
Read the whitepaper →- Chain
- Arc Testnet (5042002)
- Gas token
- USDC — 18-decimal native view, 6-decimal ERC-20 view
- USDC ERC-20
- 0x3600000000000000000000000000000000000000
- Finality
- Sub-second, deterministic
ROADMAP
Where payrail is going
v0.1 is live on Arc Testnet. Everything after it is sequenced so the settlement contract stays unchanged while the controls around it get stronger.
v0.1 Batch settlement core
Shipped- CSV upload with address, amount and duplicate validation
- Maker/checker approval enforced by the distributor contract
- USDC and EURC payouts, up to 500 recipients per transaction
- Wallet connect, network switching, role and pause controls
- Reconciliation CSV export and browser-tracked batch history
v0.2 Treasury controls
In progress- Safe / multisig submission and approval flow
- Per-batch allowances instead of a standing approval
- Saved recipient books with reference templates
- Automatic splitting for files above the 500 recipient cap
v0.3 Operations
Planned- REST ingestion and webhooks for payout systems
- Scheduled runs for recurring payroll cycles
- Role-scoped console views for finance, ops and audit
- Accounting exports mapped to ledger entries
v1.0 Production
Planned- External audit of the distributor contract
- Arc mainnet configuration once a public RPC opens
- Optional privacy on payout amounts
- CCTP funding from other chains into the treasury
Run your first batch in a few minutes
Connect a wallet on Arc Testnet, paste a CSV, and settle it end to end.