Zebec Network is reporting a notable shift in payroll adoption as education and healthcare organizations begin using its blockchain-based payroll infrastructure. Citing internal metrics and recent usage patterns, Zebec CEO Simon Babakhani said in a recent interview that schools and healthcare firms are increasingly testing on-chain payroll for recurring salary disbursements.
Schools and Healthcare Firms Join Zebec Payroll Network
Zebec’s payroll reports show the platform processed $47 million in monthly payroll volume in November 2025. It has been serving 12,600 employees across 239 enterprise clients. While earlier adoption was concentrated among tech companies and crypto-native firms, Simon said education and healthcare entities now represent a significant and growing segment of usage.
Beyond your expected tech firms and startups, which have always had high adoption rates for crypto, we’ve seen a lot of traction in the education and the healthcare sectors.
Simon said in the interview.
He noted that these organizations tend to run predictable, recurring payroll cycles, making them well-suited to programmable payroll solutions.
The shift dovetails with broader institutional interest in stablecoin-based payouts and programmable value flows, which Zebec has been building toward throughout 2025.
Payroll Rails Expanded Through NatPay and Embedded Wallets
Zebec rebuilt its payroll infrastructure earlier this year with the integration of NatPay on the U.S. Federal Reserve’s FedNow network, enabling same-day payroll settlements using standard ACH payroll files. The integration links stablecoin-powered on-chain settlements with traditional bank rails across more than 8,500 U.S. banks.
In late 2025, Zebec also integrated embedded wallet infrastructure via Privy, a Stripe-owned provider. The update supports email, SMS, passkeys, and embedded identity onboarding. Users receive stablecoin payroll inside the Zebec SuperApp wallet. Wallet balances can be spent or held, and they connect to Zebec’s virtual card offerings for real-world payments.
Those card products — including Silver, Carbon, and Black virtual cards — recorded more than $60 million in annualized transaction volume in November. Virtually issued cards operate in 97 countries. The cards also work with Apple Pay and Google Pay at Mastercard merchants.
Simon’s comments align with Zebec’s broader strategy of layering compliance, payments, and user accessibility. Earlier this year, the firm joined the Nacha Payments Innovation Alliance, positioning itself within the rule-setting ecosystem for U.S. ACH payments as it prepares for ISO 20022-aligned messaging and expanded cross-rail interoperability in 2026.
Zebec also partnered with digital bank Fasset to bring regulated banking rails into its cross-border settlement stack. These developments sit alongside efforts such as ZebecNET, a data-only eSIM network built with World Mobile to support reliable connectivity for payroll and payments in areas with inconsistent mobile infrastructure.
Taken together, the product developments and adoption signals point to a maturing use case set that extends beyond early adopters and into traditional business environments with recurring payroll needs.
