Payroll is the one payment that cannot be late. Arayo settles salary and contractor payments across Africa and 150+ countries in minutes, in local currency or regulated stablecoin, whichever each person chooses to receive.
Hiring across borders is now normal. Paying across borders is still broken. A Lagos developer paid from London waits three days and loses a margin to FX she never sees. A support team in Nairobi gets paid on a different day each month depending on how the banks feel. Finance runs the same payroll twice because half the team is "international".
For teams across Africa the problem is sharpest: thin correspondent coverage, volatile local rails and people who genuinely need the money to arrive on the day it was promised.
Fund the payroll run once from your multi-currency account. Arayo fans it out to every recipient.
Pay NGN to a bank in Lagos, KES to a wallet in Nairobi, USDC to a contractor who prefers digital dollars. Each payee sets their preference; the run handles the mix.
Stablecoin settlement moves the money across borders in seconds; licensed local partners pay out same day, usually in minutes. Payday means payday.
The all-in rate per payout is visible before you approve the run. What finance approves is what each person receives.
Every payout has a timestamped record finance can reconcile and the payee can see.
Arayo moves the money; it is not an employer of record. It runs alongside your EOR or payroll provider, or replaces the payment leg of your existing process. Contractor-heavy teams use it directly; employee payroll integrates via API or batch upload. [DETAIL: integrations and file formats]
Most payroll tools treat African corridors as an afterthought and price them accordingly. Arayo's deepest coverage is the corridors into and across Africa, with mobile wallet payout where wallets are how people bank. The rest of the 150+ country network comes with it. [INTERNAL LINK: /network]
