Corporate payroll settlement moves towards the on-chain era
@StellarOrg Network is quietly becoming the backbone of corporate payroll infrastructure. More than 20 multinational companies have deployed payroll operations on the Stellar network to process employee and contractor payments through unmanaged smart channels, bypassing traditional banking intermediaries.
The most obvious sign of this trend came in September 2026, when Zebec Network, Stellar Development Foundation and @MoneyGram jointly announced the integration of MoneyGram Ramps into the Zebec corporate payroll platform on Stellar. This integration establishes MoneyGram's status as the first fiat currency withdrawal channel in Zebec Stellar's online payroll experience, providing employees and contractors with a path to directly convert their salaries from stable currency to local currency, relying on MoneyGram's global payment network.
Zebec's deployment on Stellar allows employers to pay salaries, pay contractors, and distribute benefits in the form of stable currency. Payees can deposit funds into digital wallets, receive them in real time as salaries accumulate, and choose to retain the value of digital assets, consume them through supported card products, or withdraw local currency cash through participating MoneyGram outlets.
Withdraw cash without a bank account
@Circle 发行的 $USDC 可在全球 170 多个国家和地区的 48 万个或更多 MoneyGram 网点使用。这种广泛的覆盖范围是该企业安排具有实际意义的关键所在。在银行渗透率较低的市场,工人现在可以接收稳定币薪资,并在当地的 MoneyGram 网点将其兑换为实物现金,无需开设商业银行账户。
增加全球法币出金通道解决了企业采用的一个关键痛点:使收款人不仅能接收稳定币付款,还能在日常生活中以现金形式获取其收入。
根据 Stellar 自身的金融科技解决方案页面显示,MoneyGram 已在 170 多个国家实现了现金兑换 USDC 的服务,交易量超过 3,000 万美元;同时,一个全球薪资平台每年通过 Stellar 处理 12 亿美元的薪资发放,近一半的稳定币 payouts 惠及了七大洲的 25 万多名收款人。
该安排还具有更广泛的结构意义。通过将企业会计直接嵌入 MoneyGram 的实体代理网络,@StellarOrg 有效地将链上企业金融与现实世界中的金融前哨连接起来,服务于那些传统薪资提供商长期难以高效服务的市场。在此基础设施上运行的平台声称,可为企业节省 20% 至 25% 的跨境支付成本。

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