What is confidential onchain payroll?

Confidential onchain payroll lets companies pay salaries, bonuses, and contractors onchain without every amount becoming a permanent public record. With the Zama Protocol, amounts are encrypted end to end with Fully Homomorphic Encryption (FHE) and visible only to sender, recipient and the parties they authorize, while settlement stays onchain and fully auditable.

Has confidential payroll already been executed on Ethereum mainnet?

Yes. Zama and Bron executed the first confidential payroll on Ethereum mainnet. Bron's CFO paid team salaries using confidential USDT, with amounts encrypted end to end with FHE and visible only to sender, recipient and the parties they authorize. The Zama Protocol is in production on Ethereum mainnet today.

Which payroll use cases benefit most from confidentiality?

Four cohorts, one rail: cross-border salaries, contractors, payments, DAO contributor compensation, and high-discretion sectors such as defense, pharma, and regulated finance. Each keeps governance and settlement transparent while preventing individual compensation from becoming a public register visible to anyone with a block explorer.

Confidential payroll. Onchain. Today.

Q: How are salaries encrypted?

Salaries and balances are encrypted in the company's environment before they leave the payroll system and reach the chain. The blockchain processes transfers, withholdings, and aggregations without decrypting any of it. Sender and receiver addresses remain public, while amounts and balances stay encrypted at the token level.

Q: Can tax authorities and auditors still verify payroll?

Yes. The company decides who sees what, role by role, through the Zama Protocol's Access Control List (ACL) and selective disclosure features. Auditors, tax authorities, fund administrators, and AML providers retain authorized access, so the existing compliance stack keeps running while comparable salaries stay confidential from the public.

Payroll is moving onchain, but the public ledger publishes every salary, bonus, and contractor payment line by line.

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Onchain payroll is public payroll. Senior hires decline. Comparable salaries become public; talent leaks to whoever can underwrite the data.

Zama is HTTPS for onchain finance: addresses stay public, amounts get encrypted.

Verifiable

Onchain settlement, fully auditable.

Encrypted

Amounts encrypted at the token level.

Compliant

Auditors, tax authorities, and AML retain access by role.

Composable

Drops into your existing stack.

$33T

total stablecoin transaction volume, 2025

Bloomberg

$22B

Deel's annual payroll across 150+ countries, now enabling stablecoin

PRNewswire

6.5%

average cross-border remittance cost on legacy rails

Worldbank.org

The payroll flows that can't be public

Cross-border salaries, Web3 contributor pay, DAO comp, regulated sectors, four cohorts, one rail.

Cross-border salaries

Pay international teams onchain in minutes without making every salary a permanent public record visible to anyone with a block explorer.

Contractor and KOL payments

Advisors and KOLs won't accept payment that turns their wallet into a public compensation history. Now they don't have to.

DAO contributor compensation

Keep governance transparent without making individual comp a public register that drives your best contributors out.

High-discretion sectors

Defense, pharma, and regulated finance need sector-appropriate confidentiality across ramp, settlement, and treasury, with selective disclosure to regulators only.

Zama is a protocol, not a chain.
A standard, not a silo

The Zama Protocol is in production on Ethereum mainnet and ready to be implemented into the chains, custody, wallets, and compliance stack institutions already run.

Client-side Fully Homomorphic Encryption

Salaries and balances are encrypted in your environment before they reach the chain. Plaintext never leaves your system.

Computation on encrypted data

The blockchain processes transfers, withholdings, and aggregations without decrypting any of it. Sender and receiver addresses remain public; amounts and balances stay encrypted.

Compliance, control and public verifiability

You decide who sees what, role by role, through the Zama Protocol's Access Control List (ACL) and selective disclosure features. Auditors, tax authorities, fund administrators, and AML providers retain authorized access; the compliance stack you already run keeps running.

Institutions and teams already building with Zama

From confidential payroll to institutional trading — real deployments, on Ethereum mainnet, today.

Morpho - Confidentiality Meets DeFi Yield

Confidential USDC now earns yield through Steakhouse USDC Prime on Morpho, the same vault strategy and risk profile, with deposit size, direction, and timing encrypted onchain.

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T-REX - Institutional-Grade Confidentiality Infrastructure for RWA

Zama became the default confidentiality layer for T-REX Ledger, bringing FHE-powered privacy, compliance and interoperability together in one public blockchain infrastructure built for institutional scale.

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Bron - Confidential payroll on Ethereum mainnet.

Bron's CFO paid team salaries on Ethereum mainnet using confidential USDT, amounts encrypted end-to-end with FHE, visible only to sender and recipient.

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Raycash - Private, compliant banking rebuilt onchain.

Raycash delivers a Revolut-style banking experience — IBANs, cards, yield — fully self-custodial and powered by Zama's FHE encryption, keeping balances and transactions private while remaining compliant with regulators.

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Blockscout - The first explorer to support confidential tokens natively.

Blockscout now indexes and displays ERC-7984 confidential token activity, showing transfers, senders, and recipients onchain while keeping encrypted amounts fully private, powered by the Zama Protocol.

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GSR - The first confidential OTC trade on Ethereum mainnet.

GSR executed the first confidential over-the-counter trade using the Zama Protocol, with transaction amounts encrypted onchain between two KYC'd counterparties, eliminating information leakage and front-running risks.

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