Pay Your Global Team in Crypto. They Cash Out in Their Local Currency.
How Fundable is building the payroll and treasury layer that Stellar has always needed.
There is a problem that every Web3 company eventually runs into, and nobody talks about it honestly.
You have a team spread across Lagos, Nairobi, Buenos Aires, and Jakarta. You hold your company treasury in USDC — stable, borderless, and free from the currency volatility that has eaten through the savings of founders across the Global South. You want to pay your contributors fairly and on time. And then you hit the wall.
Wire transfers take days and incur fees at every border crossing. Traditional payroll platforms don't speak crypto. Your team members are left to figure out their own off-ramp: find an exchange, pass KYC, wait for withdrawal limits to reset, convert at whatever rate the platform decides. By the time a contributor in Nigeria gets paid, they've lost time, a chunk of their payment to fees, and probably a bit of faith in the whole Web3 promise.
This is the problem Fundable was built to solve.
The Stellar Advantage Nobody Is Fully Using
Stellar was designed for exactly this. Fast, cheap, built-in DEX, native stablecoin support, and a philosophy explicitly aimed at financial access for underserved markets. The Stellar Development Foundation has partnered with MoneyGram for cash-in/cash-out. Stellar Aid Assist has used the network to deliver aid in crisis zones. The infrastructure for global, low-cost value transfer is real and live.
But the tooling for businesses operating on Stellar has lagged behind. On EVM chains, you have Sablier for payment streams, Superfluid for continuous flows, Coinshift and Gnosis Safe for treasury management. The ecosystem is mature. Stellar? Almost nothing exists for companies that want to manage payroll, stream contributor compensation, and handle the fiat off-ramp — all in one place, built for the Stellar ecosystem.
That gap is exactly where Fundable operates.
What Path A Actually Looks Like
Fundable is building the B2B payroll and treasury platform that Stellar's ecosystem has been missing. The core flow is simple to describe, and genuinely hard to build:
A company funds its treasury → Creates payment streams for team members → Recipients withdraw their vested compensation → Off-ramp to a local bank account.
Each step is handled natively on Fundable.
Treasury funding gives organizations — DAOs, crypto-native companies, freelancer collectives, Web3 projects — a single place to hold and manage their operational funds on Stellar. Not a personal wallet. An organization account, built for teams.
Payment streaming lets employers create continuous payment flows rather than lump-sum monthly payments. A contributor earning $3,000/month doesn't wait 30 days and receive it all at once. Their compensation streams second-by-second, visible in real time, withdrawable whenever they choose. The smart contracts handling this are live on testnet, with mainnet deployment underway.
The off-ramp is where Fundable already has real infrastructure. Coverage across 21 African countries through its provider network, with Allbridge integration connecting Stellar USDC to fiat conversion. A contributor in Kaduna or Accra can see their streamed compensation, withdraw it, and have local currency land in their bank account. No exchange accounts. No manual KYC loops. One click.
Why B2B Is the Right Bet
Consumer crypto products are hard. Acquisition is expensive, churn is brutal, and the average user has low tolerance for friction. A single bad transaction and they're gone.
B2B is different. A company that runs payroll through Fundable doesn't churn month-to-month; their team's livelihoods are tied to the platform working. The lifetime value of a single organizational customer dwarfs what you'd get from dozens of individual users. And the selling motion is cleaner: you're solving a specific, painful, recurring problem for a decision-maker who has budget.
The Web3 ecosystem is also uniquely suited to this approach right now. DAOs are growing up. They're managing real treasuries, paying real contributors, wrestling with real operational challenges. Traditional payroll software doesn't serve them — it doesn't understand multisig wallets, token compensation, or contributor addresses. Fundable does.
The Business API: Infrastructure That Scales
Quietly built alongside the consumer-facing product is something potentially more valuable: the Fundable Business Offramp API.
If every Stellar dApp — every wallet, every exchange, every DeFi protocol — needs to offer their users a path from Stellar stablecoins to local fiat, they could build it themselves. Or they could call Fundable's API.
This is the model that made Stripe what it is. Not serving end users directly, but becoming the infrastructure that other products are built on. Developers integrate Fundable's API. Their users get the off-ramp. Fundable collects a fee on every transaction processed by every partner. The more Stellar grows, the more the API scales.
The architecture is already built: API key authentication, IP whitelisting, webhook configuration, rate aggregation across providers. What's needed now is public documentation and a developer community around it.
Stablecoins as a Salary: Why Africa Needs This Now
This isn't a theoretical use case. The naira has lost enormous value in recent years. The same is true across multiple African markets where Fundable is building. For a developer in Lagos earning in local currency, the purchasing power of their salary erodes faster than they can spend it.
USDC doesn't inflate. A contributor earning their salary in USDC holds a stable asset and chooses when to convert — maximizing the naira value they extract when they need it for rent, not when the payment cycle happens to land.
Fundable's off-ramp coverage across 21 African countries is not a footnote. It is the product. The payment streaming and treasury tools make Fundable useful for companies. The off-ramp makes it indispensable for their teams.