Contractor Payouts — pay contractors to bank accounts or USDC wallets
Swaps helps verified payers prepare a pay run, collect recipient destinations, approve the frozen snapshot, fund once, and reconcile every payout row. Recipients can choose a provider-verified bank destination or an enabled external USDC wallet destination where provider capability allows it.
Fund once, split by approved row
The payer sends the approved total to one provider-verified funding destination after instructions are available. Swaps reconciles that funding event against the locked pay run, then executes separate contractor payout rows with individual status, evidence, and retry paths.
Built for creators, founders, startups, and businesses
The product is designed for teams that need contractor, creator, or distributed-team payout execution without taking on HRIS, payroll tax, legal payslip, or employer-of-record functionality inside Swaps.
Execution-only boundaries
Swaps does not calculate payroll taxes, file payroll, issue legal payslips, act as employer of record, custody external wallets, guarantee instant settlement, or promise country and rail availability without provider support.
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