Gusto
Transact
Payouts
How Gusto Delivered Instant Global Payroll Using Stablecoin Payout Infrastructure
Gusto is a payroll and HR platform serving more than 400,000 businesses globally. As remote and contractor work expands, cross-border payroll has become more complex. Employers expect predictable execution. Workers expect immediate access to earnings.
OPPORTUNITY
International Payroll Can Be Slow and Costly
Traditional payroll payments rely on correspondent banks, FX intermediaries, and cut-off windows. Contractors often wait several days to receive funds. Employers must pre-fund accounts and manage liquidity buffers. Fees accumulate across intermediaries. Payroll operates on fixed schedules; any disruption directly impacts worker trust and business operations. Gusto required a compliant, API-first settlement rail capable of global, real-time payouts at scale.
SOLUTION
24/7 Stablecoin Payroll Rails
zerohash powers Gusto’s stablecoin payout infrastructure through regulated settlement and wallet orchestration. Employers can fund payroll balances via RTP, wire, or stablecoin. zerohash converts and settles funds on-chain, delivering payouts to contractors in under a minute.
The infrastructure includes U.S. and EU regulatory licensing, embedded transaction monitoring, on-chain compliance screening, and detailed reconciliation reporting. Contractors can choose payout asset and wallet type while Gusto maintains full operational visibility.
zerohash manages treasury movement, liquidity routing, and chain connectivity across supported networks. The system operates continuously, eliminating dependency on banking hours and reducing cross-border friction.
Solution highlights:
- Instant, end-to-end payouts: Employers fund balances via RTP or stablecoins 24/7/365 and disburse stablecoin payments to contractors in real time.
- Slash Costs: Gusto has been able to reduce processing costs dramatically while letting recipients keep more of their wages.
- Global Contractor Reach: With zerohash support across 200+ jurisdictions, Gusto can pay contractors almost anywhere in the world.
OUTCOME
Instant, Predictable Global Payroll
Contractors receive funds almost immediately rather than waiting days. Employers reduce processing costs and FX overhead. Treasury efficiency improves through faster settlement cycles and reduced pre-funding needs. Stablecoin payroll enables 24/7/365 global payouts across more than 200 jurisdictions. Gusto now operates on a settlement rail aligned with the expectations of a distributed workforce.
TESTIMONIAL
“Stablecoins offer us an opportunity to better serve our customer base. We do payout in over 70 countries today and this really gives us an opportunity to offer many of those customers who want payouts in U.S. dollar equivalent, or who want payouts of other digital assets in the future, to receive that. This gives us that extensibility to be able to pay out in those forms.”
About zerohash
zerohash enables financial platforms to integrate digital assets directly into their core products. Across trading, payments, and tokenization, the company provides regulated infrastructure that supports execution, custody, settlement, and compliance at institutional scale. From consumer fintech apps to global asset managers, zerohash powers embedded crypto experiences across 24/7 markets. Its infrastructure abstracts regulatory and technical complexity, allowing companies to focus on customer experience while operating within a secure, compliant framework.