💡 What Is Zebec Network?! (Simple Explanation) 🚀 | Real-Time Crypto Payroll Explained

Added: 2026-05-05

[00:00:00]I don't know who's who'd be the best, but in one or two sentences, what is the the back network and what problem does it aim to solve?

[00:00:09]All right, I'll start, but I can't do one or two sentences, but I'll make it simple for you. No problem. You can say as much as you want.

[00:00:15]>> [laughter] >> Uh so I'll take a page out of Brad Garlinghouse book.

[00:00:19]You know, most people don't think about getting paid every 2 weeks or in some places get paid once a month. And that's because of the friction of payments. I think we can all see the shift from web 2 to web 3 uh simply because blockchain and stable coins can not only enable payments to be faster, but also cheaper.

[00:00:37]And with that it solves a lot of intricate use cases. Zebec's main use case of course payroll. But more than just payroll, it streams payroll. So if you think about getting paid, you're getting paid by the second, by the minute, by the hour. Now, would you want to necessarily get paid by the second, by the minute, by the hour? Probably not, but there's a lot of um you know, things to say about whenever you make the money, it's yours. You should have the ability to choose, like you said, choice how you get paid. If you want to get paid by the second, that should be something, you know, you should be wanting to do. And the money gets taxed every 2 weeks. So you don't really get to see the full benefit of your paycheck and the people who's holding your money accumulate yield on that. So Zebec being able to solve a multi-trillion-dollar issue, I think that that is something that is very attractive. You know, when you're talking about the US, we're talking 10, 11 trillion dollars. Then you go globally, you're talking 40, 50 trillion dollars. So when you talk about a company that's what, 200, 300 million market cap, it has so much that it can gain while it's being the leading stable coin payroll provider in all of web 3.

[00:01:46]So what I'd like to get at really quick before the next person jump in is when you're talking about streaming payroll, that utility is continuous settlement.

[00:01:55]So when you're talking about by the second, by the minute, by the hour, that is settlement being transacted continuously. You're programming the money, you're giving it logic. And that utility can be moved into other use cases like Netflix, Hulu, Peacock. So many people they they watch streaming services. So if you watch Netflix, how about you pay for what you watch rather than paying for the monthly subscriptions. How many people have paid $20 a month, $40 a month, and it adds up. You know, so why don't you if you only watch Monday, Tuesday, Wednesday, only pay for Monday, Tuesday, Wednesday.

[00:02:31]Or if you go to the gym, you have a QR code. Whenever you scan, why don't you pay for the seconds you're in the gym?

[00:02:38]Or even more than that, if you're a creator, why don't you get paid for the streams that people are listening to your music?

[00:02:44]You know, these are all the different intricate use cases that Zebec's continuous settlement um usage model, you know, solves for. You know, and there's so many different things that you could talk about, even down to the agentic payments. You know, when you talk about micro payments and little fractions of a dollar, these is exactly the rails that the agentic economy needs. They need rails that is going to you know, settle um micro streams. You know, and when you get into the interledger protocol, that's exactly the use case that the transport layer was you know, built on, but that's just a little bit about you know, Zebec network.

[00:03:23]>> [laughter] >> Anyone else? How do you follow up on that? That was perfect. I have one thing to add though. Yeah, please. And while I do believe that it's a no-brainer that companies will they will adopt this. There's no doubt because if you look at the cost of ACH payments right now and the delay, 1 to 3 days, typical ACH payment 20 cents to $1.50. Whereas blockchain can solve that for less than a dollar and less and less and less than that. And that's why businesses will adopt this because it saves them money.

[00:03:56]It saves them a ton of money. Think of a company like Amazon or Microsoft or on and on that employs thousands of people and the amount of money they will save alone just in streaming payroll using Zebec's network to do that. It's a no-brainer while why why businesses will take this on.

[00:04:17]Yeah.

[00:04:18]Now, I want to I want to compound on top of that. Now, you take that, take what they said. Here's what I want everyone who's listening to understand about what they just said. They just not only explained Zebec in a quick elevator speech, but they're telling you why this is the shift that finance is going to.

[00:04:41]If people watching this, I want you to think about Netflix. I want you to think about Blockbuster. Think about Blockbuster. You never would have even imagined somebody coming along and making making people lazier, but they made it to the point where you can I remember when I first seen the Blockbuster you I mean not Blockbuster, but Netflix you're mailing your movies in. I was like, well, this is cool. And then they went, next thing you know, now people don't even leave their house. That was a shift. That right there was a shift in the times and the technology. You're seeing that same shift right now with Zebec. Now imagine, there's so many people out there that live paycheck to paycheck. And then the reason they live paycheck to paycheck is because you have to wait like 2 weeks to get your pay.

[00:05:30]Now, imagine light bills and how much you could pay down on certain things and not have to borrow money or go somewhere and get these these highway robbery payday loans.

[00:05:44]Now you can you're getting your money 24/7 and you can use that money maybe to pay down on some debt and you don't have to borrow money.

[00:05:53]That right there is value and that's why ZBCN stands out. Because it's something that people will use because they're going to see the benefit of it. That right there alone just puts a gold glow around it for me. And then you again, you add XRP to that and it's a wrap.

[00:06:15]It's a wrap.

[00:06:15]>> tell I will tell you, so several years ago, I want to say it was Odyssey uh was a platform. There were a couple of different platforms that were playing around with the streaming, with the the by the by the second um and that's always intrigued me. I think it's I think it is going to happen.

[00:06:37]Um I wasn't I wasn't aware that Zebec was that was part of the thing. Um and but just through watching different people build stuff on the XRP ledger with the different use cases and the things that you can build, I know that even though something is built for this thing, doesn't mean that this thing can't be used over here for this thing, right? And so what you just described was a whole bunch of use cases that could be used for what with what they've built already, if I'm understanding you correctly. You're correct and you're seeing what people is seeing and they don't even realize, at least those in crypto, they're seeing that whole Blockbuster uh Netflix shift.

[00:07:20]You're seeing it right here at the beginning stage.

[00:07:24]And so many people are going to look back and say, damn.

[00:07:28]Because I did that with Netflix. And when I saw Netflix, when I first saw them, I was like, man, I would love to invest in this.

[00:07:36]Because I believe I just didn't know they was going to go as far as they did.

[00:07:39]So now finance, you talking payroll?

[00:07:43]Yeah, payroll payroll is not sexy, but it is to you when you're talking ZBCN and getting paid around the clock.

[00:07:49]>> [laughter] >> That's hella sexy.

[00:07:53]I'd like to make one more point in regards to the streaming technology because I mean it's just it's so pivotal in like so many blockchains and companies and enterprises, but think about your mortgage. You know, you get paid. Let's say you get paid by the second, by the minute, by the hour, right? And your mortgage is due by the end of the month. You can stream some of them funds to take some of that interest away from your your mortgage payment, you know? It's it's it's so many use cases you could use. So no, I just get very excited when I when I talk about innovative things that can change the world, you know, super cool. And you want everybody to know about it. Yeah.

[00:08:30]As many people as you can to know about it. Mhm. He cooks. He cooks every single night. Like I I get a good night message from him every night because up until 11:00, he's he's he's deep diving. He's one of the most intelligent people I've ever met and I'm so blessed to have him a part of this team along with everyone else too, but one of the other things Oh, I was going to say, well, you got 311 people watching the show, you guys.

[00:08:56]>> will throw this out there, too. Why can't other companies do this? Because Zebec has the technology and they're able to take taxes out of your paychecks worldwide.

[00:09:07]Yep, they have that technology. They have that technology.

[00:09:10]Well, so so so here's the thing. This is the deal. So because I do payroll, right?

[00:09:15]Okay? You either got to do it manually yourself if you have if you you know, you you could create payroll and you still have to do your own taxes yourself or you have a payroll provider like Intuit, for example. People that use QuickBooks, a lot of times they use Intuit payroll.

[00:09:35]Why? Because Intuit payroll has the technology to be able to calculate the taxes, do the returns, submit it to where it needs to go. The end user, I don't know.

[00:09:48]I'm just doing my payroll and it's happening for me. That takes the that takes it out of my hands from having to calculate that payroll for each employee like we used to have to do manually, figure out how much money we got to send and then manually do the form and manually send it. So, that type of thing has been fixed already. However, it has not been fixed already with this what you're talking about. Uh while we have moved with uh being able to do payroll and getting next day payroll, like where where you know into it to the point where it's like I can process payroll and next day it's direct deposited. So, we're making strides there. But, the concept of doing it straight like you know by the second or by the minute like it depends on who's going to use what.

[00:10:38]The way that I'm understanding this the back uh system, they would have to they would use that technology. Someone like myself you using accounting software processing payroll, we we won't even know what's happening on the back end. All we know on the face is when I create payroll now you're getting paid every day and it's streaming every day to that person's payroll. And and am I correct in saying that?

[00:11:06]>> Yeah. Is it active in use right now or no? Not yet. Active in use cuz the back provides on chain payroll and payment streaming services that are specifically designed for tax compliance allowing for automa- automisa- auto- >> automisation >> mation of tax withholding and reporting.

[00:11:24]I couldn't have worded it better. The cool thing about all of this is it goes back to our our backers, right? So, uh for people that are not familiar, Circle and Coinbase were some really good investors. Or you can talk about Lightspeed, we could talk about Gemini, we could talk about obviously Solana and all these, but you have to look at our advisor team. We have ADP C-suite advisors on our team. And one of our advisors that are very close to us is Lisa Robins and she helped us gain PayBridge. So, most people don't know that we actually own and acquired the actual uh payroll company that is leading in paying charter schools, leading in paying teachers and students.

[00:12:03]And those teachers are teaching people, you know, how to accept stablecoins and what a stablecoin is. Um so, this is actually stuff that is going on in real time today. Um I'm sure you saw the number as far as the annual volume, it's $500 million.

[00:12:20]>> [laughter] >> And I want That's some task. And and and Simon and Simon said real quick before the end of this year he expects it to hit over a billion dollars. See?

[00:12:31]>> You want to explain who Simon is cuz we didn't get to that part, but let's let's talk No, no worry. No, not absolutely. I was going to skip over it to be honest with you because we're because but just You want to talk just briefly about who created Zebec and and what his name is and that sort of >> So, so the founder of Zebec was was Sam.

[00:12:49]Uh but the the current CEO of of Zebec Network is Simon Babakhani. And uh he he he started off in venture capitalist firms just like prior capital. Um you go back, you go back Wiman or Parthenon.

[00:13:03]That's where his background is. He's a he's a Wall Street guy, venture capitalist side. And so, he has a great mind for these things. And so, he's he's he's been a a great leader since taking over the helm of the Zebec Network. And you started seeing all these partnerships coinciding with his takeover as the CEO.

[00:13:23]And he's just done a hell of a job.

[00:13:25]When was Zebec founded? Can you What year?

[00:13:29]2021. 2021. Okay. Sorry. What I want to add Uh I want to add I want the people in the chat and just everyone listening to look at it from this way, too.

[00:13:40]Everything that 314 just laid out for you, their advisory team. I want you to think of it like this because some people hear advisory team, okay. He named some really heavy hitters that are ad- advisors to them. And the thing I want people to understand is when you're evaluating crypto companies, you want to look at things like that because you're talking about advisors who already have major resumes behind them. They are not going to lend their name to a company that doesn't have the potential that they don't want to succeed. So, a lot of I hear people always say, well, how come someone can't come along and do it? I'm not saying other people can't do the do the things like that, but they don't have the connections that Zebec have. And unfortunately, we're in the world of it's not what you know, it's who you know.

[00:14:42]Yeah, there's patents involved, too, that also stands out um that not necessarily we're There's patents that the founder or co-founder Sam Tabar has that separates Zebec apart.

[00:14:55]But, just to kind of piggyback off of him, it is something that people could do, but the moat is just spreading and spreading and spreading. There's a reason why Ripple and Zebec has this synergy because they recognize as their leaders in their own right, you know, and and you come together like I said, it's going to be global domination.

[00:15:13]>> [laughter] >> Like this is game recognize game, right?

[00:15:16]Yeah, game that Yes, exactly. I mean, so and then this is the other thing, too.

[00:15:21]For those of you that are XRP uh enthusiasts, you already understand that about looking at the connections. Um when Trump has uh the the crypto um committee coming in his office, who are the faces? Who are sitting there behind what Who are the players? These are all very important indications of who's going to be successful at the end of the day, who's getting that support. You mentioned a lot of people already that I know were in that room, right? The same people that were in the room uh when we when we get excited about things that XRP, Ripple are doing. Those people are also in the room with Zebec. Uh so, there is that overlap. And it's not just these two coins, there's a lot more uh than just our two. But, uh did you want to say something, Z-man?

[00:16:14]Yeah, and and all these people in these rooms, they back winners. At the end of the day, they're in it to make money just like the retail side. They're they're investing in winners. And Zebec Network's a winner. If they're I mean, if the same people are investing in Ripple that are best investing in Zebec Network, you got yourself some winners.

[00:16:34]Yeah, I tell people all the time, evaluate your circle. Takes Learn from these companies. What did he say? He says, everyone in that room they back winners. I believe people should do that in your own lives. You should look at your your circle of people. And if they're not going if if you don't have people that's above where you're trying to go or at least going in the same direction, you need to re-evaluate your circle.

[00:17:00]Mhm.

[00:17:01]Uh one thing I wanted to say Well, I want to ask you guys, is it true that uh that Zebec supports 18 plus chains and 150 plus tokens now starting on Solana? Is that true?

[00:17:17]Yeah, no. So, we uh it's 22 chains and counting. Our CEO said that he could see 30. But, the whole premise of Zebec is to be chain agnostic. And I'm sure you've seen that we're doing payroll for not only Solana, but we moved over to Stellar Lumens. World Liberty has chosen us as our stablecoin payroll partner. If you've heard of Deutsche Bank, they told us we're the real-time payroll partner.

[00:17:38]And as you can see, the rumblings are happening with Ripple. Um and it looks like to be trending in that direction as far as payroll. But, as far as 150 countries, yes.

[00:17:49]Wow. So, but that was one of my questions that I had. Um you know, this is not just United States. This is worldwide that you guys are kind of I I consider everything a beta test right now until we're on firing on all cylinders. To me, we're testing this stuff out. They test it out in these smaller countries or less developed countries. They run the test, they see how things go before they bring it to a extremely populated area like the United States to really, you know, plug it all in and get these businesses to switch over. My question is, so if you support 18 or you said 22 chains, that's a lot.

[00:18:29]Um what exactly does that mean in terms of um So, like on Solana, you want to you want What does that mean that you support the chain? That's the question. Yeah, so our product suite is not just payroll, but we have cards. And these cards are virtual cards that will allow you to spend the crypto that you own. So, let's just say you have stablecoins and you wanted to go to a grocery store or something, right? You have all these blockchains that you can choose to opt in for. So, if you have let's say XRP tokens and you wanted to go to the gas station and you wanted to say pay in XRP, that would be one of the tokens that you can use if you wanted to do so.

[00:19:11]Um but what it would do within that product suite is it would auto convert that XRP to a stablecoin. So, if it's RUSD, that's would be the conversion model like obviously dollar stablecoin and it would transact out that. So, you have 22 chains. And then with that on our cards, let's just say um cuz AI comes into play in all of the product suite. Let's just say you want to get paid, you ask your AI, hey, I Bitcoin or hey, I want Aleo or I want uh whatever blockchain that we support, they can autonomously bridge that asset to whatever it is that you want. So, the 22 chains is our product suite, but we will be able to do payroll for more than just uh 22 chains. It's going to be almost everybody.

[00:19:56]>> [laughter] >> It will be everybody. And kind of going back to what you were talking about before, Southeast Asia is one of the big markets that Zebec Network hit late last year, early this year, and they had a partnership with Facet, Facet Bank, which is a neo bank. And the gig market in Southeast Asia is huge. It's huge, and that's one of the best tests testings of the of the service is in the area like that for the gig workers cuz that real-time streaming payments, payrolls, and all that works perfectly in that environment.

[00:20:30]And and Facet Bank is is massive, and most people don't even know about Facet Bank, but it's, you know, 1 million plus users, $7 billion in volume in 2025, and they support over 125 countries. That's just one of the other partnerships that Zebec Network has, not to mention Canton, not to mention I mean, we can go on and on with all these banks. And that's kind of like if you look at what Ripple's doing and a lot of a lot of the XRP community out there, they know that Ripple's going to become a bank.

[00:21:00]And so it only makes sense to bring Zebec Network on to some extent to some some some level to help support that.

[00:21:08]And I'll I'll say Apparently, we're going to we're going to break uh 0.003, which is pretty cool cuz I think I mean, I think I was like 2 26 or whatever. I think one night I'm a proud a Zebian uh holder now. Uh in this past week uh I I put I took the plunge and I did it. I was I texting Will like, "What's the best place?" And uh you know, you guys talked about Uphold. I I personally like Uphold quite a bit. They're one of the only uh platforms that continue to sell XRP throughout all of the the craziness.

[00:21:48]They're also offering Zebec, uh which, you know, you can't get it just anywhere. So, um for those of you who are interested in looking it up, you can get it on Uphold. So, if you have an Uphold account, let it rip. Go check it out.

[00:22:02]Hey, for all your um followers, what made you buy Zebec?

[00:22:07]What made You know what made me buy it?

[00:22:10]Number one, it's payroll. It's payroll.

[00:22:13]I This is I I actually I've known about it for several years. Someone put it in the chat um Coffee Time and Boardroom. I don't know if you guys are familiar with uh Uncle Buster and Berserker. Um and and Nerdy, uh but they have a show uh called the Boardroom, and then they have Coffee Time. They've been talking about Zebec for a while, a really while.

[00:22:39]And uh I I've known that it was something that I was interested in looking more into if for the real-world use case, right? I like to I like to look into things and and buy into things that have real real use case. I don't tend to go with the meme coin thing. Um I might do some NFTs if they have utility, but Zebec with the payroll, the strength of the community, the information that was out there available for me to cross-reference, the um the partnerships that you talked about, the banking, the yada yada yada, I saw like parallel to XRP the community in terms of like checking the boxes. Does this check off? Does this check off?

[00:23:26]That's why I did it. Plus plus I was like, "They're going to be at the XRP Las Vegas on stage." So, on stage on stage, baby.

[00:23:38]There's got to be there's got to be a there there. You know what I mean? Right after Brad Garlinghouse.

[00:23:44]And then there was an hour break.

[00:23:46]Let Let it marinate. Let it marinate.

[00:23:50]We got All right.

[00:23:52]Um we're going to be all over the place, but I want to talk about this right now because it's it's bringing up. Okay, I was going to like really go into the into the Zebec and how it works and all that stuff, but we'll we'll talk about that cuz I do want to know about the tokenomics of the token because that's what people are buying into is the token. I want to understand how that works. But before we get to that part, let's talk about XRP Las Vegas and the fact that Simon is going to be on stage right after Brad Garlinghouse.

[00:24:19]That's a pretty significant thing, and uh I'm wondering that there's like rumblings they put Ripple posted or or Zebec posted that they went to Ripple's offices uh just the other day.

[00:24:34]What's the story, Lori? What's happening? What do you think?

[00:24:39]Someone else go ahead, Rob. What do you think, Lantern?

[00:24:43]What do I think about Simon posting the picture at Ripple? I mean, he's just posting more breadcrumbs for everyone to kind of let it marinate until XRP Vegas in a week and a half.

[00:24:53]Yeah, that's >> [laughter] >> You don't want to give away anything.

[00:24:59]Hey, and and not only that, on the spaces on the spaces today, he talked about he hung out in the um the London office for the entire day, and he believes, and you guys correct me if if I'm wrong if I heard misheard this, but he said that this is probably the biggest What is the partnership that that they've had? biggest announcement they've had biggest announcement they've had in a couple years. Yeah. This is going to be me in Vegas.

[00:25:32]>> [laughter] >> Yeah.

[00:25:34]So, yeah, you're you're seeing it in real time. You're seeing it happen in real time, and I just want everyone, you know, I'm not telling anybody to buy anything. I just want them to at least put it on their radar.

[00:25:47]Well, what you got to say is if you know Simon, Simon is not one to just drop that major button whatsoever. It's like Brad Garlinghouse. What he says, you listen to it, and if you hear some keywords you've never heard before, then you should definitely hold on tight.

[00:25:59]They always come back. I was shocked that he put a picture up. I was really shocked. So, it must be something. The fact that he put that picture up. In fact, he said major major announcement on the space before this last one today.

[00:26:11]Um Simon always brings what he he does what he says, and he's delivered every single time. And that's the first time I've ever heard him say a major major announcement. So, this is going to be pretty earth-shattering, I believe, for the crypto space, uh especially for the XRP community and the ZBCN community. I know there's some other great like Flare's going to be there and all that, too, but like this is major major for our two communities, and we are going to witness history.

[00:26:42]This might be a stupid question, but does anyone think Ripple would just flat-out acquire Zebec?

[00:26:48]I mean, listen. I will tell you this.

[00:26:50]>> asking I'm just asking. I don't know.

[00:26:52]>> Yes, I do. I will tell you this. The reason why I say that is we did uh we did um a show on Digital Ladies Unscripted where they talked about all of the acquisitions. You know, Brad Garlinghouse said this is this is the merger and acquisition season, right?

[00:27:11]And so they did I saw a lot of heavy hitters. Not saying that they're going to, but if the if the opportunity came about, do you think that they would do that? Yeah, I do. If the offer was on the table, do you do I think that they would want to eat up this type of technology?

[00:27:32]And do I think it is an accent an an asset and a complement to what they've already built? Yes. Do I think it's going to be used for a lot of use cases?

[00:27:42]Yes. So, yeah, it's possible. That's probably not what somebody hopes in the Zebec nation, though, you know, you don't want to get a question.

[00:27:52]>> for you. Yeah.

[00:27:54]With, you know, and I asked this of one of our last guests that we had on our Zebec Nation podcast, I asked this of um XRP Dad. So, I'm going to ask you because you're really tapped in with the XRP community.

[00:28:07]With with Simon being on the stage there, and those two communities coming together, how do you feel the XRP community will react to something with uh Zebec?

[00:28:21]I think positively.

[00:28:23]You know, this is the thing. The people that go to the XRP Las Vegas conferences, these are not Anybody that sees the negative and the weirdos that are on there's punch um blow and smoke up your butt about price and, you know, all these things, those they don't go to the conferences. They don't show their faces, okay? The people that go to the XRP Las Vegas conference, they are grounded, well-rounded individuals who understand how business is done. And when they see they encourage it. When they see a company like Zebec or Flare Network, uh they're excited about it. Why? Because they see the bigger picture. So, I believe they will be well received. People are going to be excited um and want to hear what they have to say. So, yeah, you guys you guys are going to be welcomed with open arms from the XRP community.

[00:29:18]Totally.

[00:29:20]I hope so. This is my first crypto conference.

[00:29:22]>> Oh, you're going to love it, my friend.

[00:29:24]Dude, you are going to love it. You are absolutely going to love it. I'm telling you these people are are solid. I've been to several of them. I've been to different conferences over my time in crypto, and there's nothing like an XRP Las Vegas conference or an XRP meet-up or whatever. The people are the ones that have the the courage to show their faces and just go to these events.

[00:29:50]These are very intelligent, well-rounded people. Shout out to the background. I'm just saying. There's a lot of like I say, there's popsters that are on the internet. There are influencers on the internet that have, you know, seemingly 200,000 followers and they're just going to go to a thousand, ten thousand dollars and all this stuff and they put out the bad they you know, it's like whatever who watches that, okay? We all watched them for a hot second cuz why you dip your toe, but like I say, we graduated. You're going to be going into a room full of graduated folks that those people are we don't care about those people that say that stuff. And and shout out to the entire XRP army. These past few weeks have been phenomenal. Just the amount of love that you've shown the ZBC and community the Zebeck nation.

[00:30:40]Uh phenomenal, you know, like just so many so many influential people in the XR community showing love to us and we we're truly thankful for that.