Use Cases
Global Payroll Payments Without Delays
Merge powers the last mile of global payroll, executing cross-border disbursements in local fiat or stablecoin without delays, FX friction, or global payment complexity.
Merge receives an approved payout instruction and executes the disbursement in the right currency, local fiat through domestic schemes or stablecoins such as USDC/USDT. Plug Merge's API into your existing payroll stack and send a single payout instruction; Merge handles the rest.
Different recipients need different payout methods.
Merge supports local fiat payments through domestic schemes such as ACH, SEPA, PIX, Faster Payments, UPI, and many more. That allows employees and contractors to receive salaries in their home currency without unpredictable FX fluctuations.
Where local banking is slow, expensive or inaccessible, Merge can pay in stablecoins to a compatible wallet. Stablecoin payments travel directly on blockchain networks, bypassing correspondent banks and eliminating cut-off times.
Stablecoins like USDC and USDT maintain a fiat peg, offering stable value for contractors. Recipients can off-ramp to local currency or hold funds. Payroll teams choose fiat or stablecoins per recipient, combining local rails and digital currencies for flexible global payroll.
While not every corridor can settle instantly, Merge's infrastructure improves visibility, reduces delays and enhances payment predictability compared with traditional correspondent banking.
| Traditional correspondent banking | Example workflow |
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Payments stall across multi-step chains, batch windows and manual reviews
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Real-time local rails and stablecoin networks replace the correspondent chain
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Weekend cut-off times and intermediary bank queues
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24/7 transfer capability via local rails
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Bank holidays and time-zone differences
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Stablecoin rails are always on
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Batch-based FX processing adds delays
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Shorter settlement times, reduced pre-funding
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A Friday payroll run can land the following week
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Hold funds centrally, send when needed
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Limited routing through legacy systems
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ACH, SEPA, PIX, Faster Payments, UPI, and more
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Stablecoin payroll gives digital-native workers, creators, vendors, and contractors a flexible way to receive earnings when local banking access is limited or costly. USDC and USDT are pegged to fiat, move across blockchain networks without intermediaries, and avoid weekend cut-off times. Payouts can be configured per recipient alongside local fiat.
Issued by Circle and regulated under US money transmission laws. Widely accepted across exchanges, wallets and DeFi protocols. Preferred for payroll in regulated markets.
The most liquid stablecoin globally by volume. Widely used in emerging markets and by contractors in regions with limited banking access. Accepted across the broadest range of wallets.
This dual-rail approach lets contractors choose stablecoins or local rails instead of forcing crypto or slow bank wires. Stablecoins add new payout channels in limited-banking markets, reduce FX friction, and support near-instant settlement.
Global payroll providers handle calculations, deductions, and payslips. Merge handles payment execution, moving approved funds across borders through local rails or stablecoin settlement, without replacing existing systems or adding new infrastructure.
Once payroll is approved, execution should be simple. Merge helps you send payouts across borders in the right currency, through local rails or stablecoin wallets, without added friction or delays.
Global payroll is the process of managing compensation, taxes and benefits for employees, contractors or contributors across different countries and currencies. Merge supports the payment layer of global payroll by executing approved disbursements through local payment rails or stablecoin wallets, while payroll calculations, tax withholding, employment compliance and payslip generation remain with the payroll provider or employer.
No. Merge is not a global payroll provider in the traditional sense. It doesn’t calculate wages, handle tax withholding or create payslips. Merge is a regulated payment infrastructure layer that helps payroll platforms and employers move approved funds to recipients after payroll has been calculated and approved.
Global payroll providers manage employee records, calculations, deductions, approvals and payroll documentation. Merge is different because it focuses on payment execution. Once a payroll run is approved, Merge receives the payment instruction and moves the funds to recipients in local fiat or stablecoins through regulated rails. It doesn’t replace the payroll provider; it complements them.
To integrate global payroll with HR systems, keep control of employee data, payroll calculations, approvals and compliance workflows in your HR or payroll platform. Use Merge’s API to send approved payment instructions. Merge then executes cross‑border disbursements through local payment rails or stablecoin settlement. This approach allows businesses to maintain existing processes while adding global payment capabilities.
Stablecoin payroll refers to paying approved recipients in stablecoins such as USDC or USDT. These digital assets are pegged to fiat currencies and move across blockchain networks without intermediaries, enabling faster settlement and lower fees. Merge supports stablecoin payroll by sending tokens to compatible wallets while still offering local fiat payments where available, so you can choose the right rail for each recipient.
