Traditional payroll systems are centralized, slow, and leave salaries idle, losing value over time. MoyPay changes this by converting every paycheck into a yield-generating on-chain asset from the moment it’s received.
With MoyPay, users can:

• Automate salary distribution directly on-chain without intermediaries or banking delays.
• Earn passive yield instantly as payrolls are staked into trusted DeFi protocols.
• Ensure full transparency and security through verifiable smart contracts.
• Manage payments and earnings easily within one decentralized dashboard.

MoyPay makes payroll faster, safer, and financially empowering, turning every payment into a source of growth from day one.

One major challenge was integrating real-time payroll logic with DeFi yield protocols while keeping transactions efficient and gas costs low. Balancing automation and user control required precise contract design to avoid security risks.
Another hurdle was ensuring accurate yield tracking across multiple protocols, since each had different reward models and compounding mechanisms. I solved this by building a modular yield adapter layer that normalizes data and aggregates returns consistently.

https://github.com/Moypay-Protocol

https://moypay.xyz/

MoyPay turns payroll into a DeFi-powered earning system where every salary instantly becomes a yield-generating asset. Unlike traditional payroll tools or payment gateways, it combines on-chain payroll automation with integrated yield strategies, making it both a financial infrastructure and an income engine.
The alpha version validates this value through

• Automated salary-to-yield conversion that distributes and stakes funds in a single transaction.
• Transparent smart contract flow allowing users to verify every payment and yield source on-chain.
• Modular DeFi integrations supporting multiple protocols for flexible and optimized earnings.
• Instant usability where employees start earning yield the moment payroll is processed.

MoyPay makes getting paid not the end of the process but the start of financial growth.

MoyPay is designed for Web3-native organizations, DAOs, and remote-first startups that manage payments or salaries across global teams. These users already operate on-chain or use stablecoins for payouts, making them ideal adopters of automated, yield-generating payroll.
For employees, MoyPay appeals to crypto-savvy professionals and freelancers who prefer receiving income directly in digital assets and want their earnings to start growing instantly without manual staking.
Early feedback from small Web3 teams and test users during the alpha phase confirmed the demand for a secure, transparent, and yield-optimized payroll experience, especially for companies seeking to reduce overhead while maximizing the utility of idle capital.

Competitors and Differentiation
Main Competitors

Rise > riseworks.io: Global crypto payroll platform for companies paying in stablecoins.
Bitwage > bitwage.com: Enables individuals and teams to receive salaries in crypto.
LlamaPay > llamapay.io: On-chain payment streaming protocol for recurring crypto transfers.

How MoyPay Is Different
MoyPay goes beyond simple payroll or payment streaming by automatically converting every salary into a yield-generating asset. It combines payroll automation with DeFi yield integration, giving users transparent, self-custodial, and instantly productive payroll, something existing platforms do not offer.