x402 Bridge Layer

x402 Bridge Layer — Instant Fiat-to-Crypto Conversion and Global Payment Routing

The Problem: Global payrolls involve complex foreign exchange conversions, cross-border fees, and multi-day transfer delays. Traditional payment systems depend on outdated correspondent banking networks, which are both costly and slow.

The Solution: ZKPay’s X402 Bridge Layer serves as a multi-asset, real-time payment router, allowing companies to fund payrolls in fiat currencies and automatically distribute payouts in stablecoins or local cryptocurrencies, all in seconds.

Key Capabilities:

• Automated Conversion: Converts employer deposits (USD, EUR, GBP, etc.) into stablecoins like USDC, USDT, or DAI using aggregated liquidity from multiple exchanges and DeFi routers.

• Smart Routing: Automatically finds the most efficient route for each transaction, minimizing gas fees and optimizing settlement time.

• Multi-Network Compatibility: Operates seamlessly across Ethereum, Base, Arbitrum, and other EVM-compatible blockchains.

• Proof of Settlement: Each payroll payout generates an immutable proof of transfer, enabling transparent yet private confirmation of disbursement.

Real-World Example: A startup in Canada funds its monthly payroll in CAD. Through ZKPay’s X402 Bridge, the funds are instantly converted into USDC and distributed to contributors in Asia, Europe, and Africa — all in a few seconds, with minimal cost and complete privacy.

The Result: ZKPay’s X402 Bridge Layer makes borderless payroll execution instantaneous, compliant, and cost-efficient, turning what was once a week-long settlement process into a seamless global event.