Name: Payday Splitter
Brand: DEPLOYR
Price: 159 USD
Availability: PreOrder

Picture this

Who it is for

Chidi gets paid in USDC on Base. The moment it arrives, an intent solver sends rent to savings, a slice to a yield vault he picked, and a slice to ETH, all by rules he set.

Two ways to own it

What you get

Base$159

$40 deposit to reserve

Deposit trigger, bucket rules, intent execution, monthly summary

You choose: chain
You choose: name and logo
You choose: accent color

Customfrom $900

Built around you

Reshape it entirely: new features, your flows, your brand end to end, integrations you need. We scope it with you.

Everything in Base
Custom features and design
Priority build

Why it is new

What exists today, and what this does differently

Why own your own

Paycheck splitting into crypto exists; a fully onchain intent-based version is mostly at prototype stage.

Closest things out there

Remote with Coinbase, OnJuno and Bitwage split paychecks into crypto, and Splits.org plus hackathon projects like PayFlow and Seflow route income onchain.

Checked with web searches in October 2026. A search is not proof that nothing similar exists, and the market moves fast, so we recheck before every build.

What it unlocks

The human in it

Gives back time spent moving money each payday.

The Regatta Board

Races it can enter

grant · Circle · rolling

Circle Developer Grants

unknown

Official page ↗

USDC payments app; eligibility unknown

Their rule on existing code: unknown

hackathon · Circle · upcoming

Arc / Circle developer programs and hackathons

unknown

Official page ↗

Arc testnet fit; eligibility unknown

Their rule on existing code: unknown

What you own

The whole app, not a starter kit.

The complete Payday Splitter app: when salary lands onchain it is routed into the worker's own jars in one batched intent, by rules they set, with receipts, plans and checkout built in.

Base price · $159

The user app, complete

Every buyer gets the same finished app. Basic branding and copy changes come through a quick form.

Three step onboardingHome

Shown once: your salary lands, one intent splits it, only to your own jars.

Jar shelf and next actionHome

Drawn jars filled by the latest payday, streak, jar count and time saved.

Priority rulesJars

Rent fixed first, savings by percent, spending gets what is left.

Vault and ETH jarsJars

More than three jars is gated behind Plus.

ETH price cap and retryJars

If the price moves past the cap the slice waits in USDC. Gated behind Plus.

Address allowlistJars

Every destination is an address the user added; rule changes need their signature.

Payday simulationPayday

Ordinary Friday, short month and ETH spike; one batched transaction per payday.

Payday receiptsHistory

Where each dollar went, what was skipped or held, and the batch transaction.

Sunday digest and exportHistory

Plain words weekly note and CSV export. Gated behind Plus.

Monthly summaryHistory

Bars per jar for the month.

Payroll detection and plansMe

Only salary from the payroll sender above a minimum counts; plans through the USDC checkout or an employer code.

Streak share cardPayday

Rent paid before I opened the app.

Open the full app demo

Add-on

Owner console

Your admin side: revenue, paywall editor, users, rules and the agent log.

Revenue and paywall editorRevenue

Recurring revenue, team seats, swap fees, USDC payments, payment methods, live tiers and gates.

RulesRules

Minimum payday share, default ETH cap, retry window, swap fee, network.

Solver log and roadmapAgent

What the solver learned, running costs, and priced v2 and v3 builds.

Top-up

Growth and referrals

Referral and growth mechanics, switched on when you are ready to grow.

Growth loopsGrowth

Payroll partner days, payday moments, jar templates and referrals.

The money path, built in

How it earns for you

Three jars are free. Users pay a small monthly Plus plan, employers pay per worker to offer it as a benefit, and the owner can take a small fee on ETH swaps.

Free$0Up to three jars and one payday rule

Plus$3 a monthUnlimited jars, ETH slice with price cap, Sunday digest and history export

Teams$1 per worker a monthFor employers paying in USDC who offer splitting as a benefit

Optional swap fee on the ETH slice set by the owner (default 10 bps). One batched transaction per payday costs a few cents on Base.

Prices are yours to set. Illustrative, not a promise of income.

Growth loops, built in

How it spreads

A shareable payday moment every month: rent paid, streak kept
Employers paying in stablecoins invite their whole team
Freelancers share jar templates like 50/30/20
Referral codes worth a free Plus month for both

Roadmap · build the next phase with us

Where it goes next

v1 included

The full payday app

Smart wallet with labelled jars
Payroll detection with a minimum amount
Fixed and percentage rules with priority
One batched transfer per payday
Receipts, monthly summary, plans

Included

Bills and goals

Pay bills straight from a jar
Goal jars with dates
Shared jars with a partner
Local currency off-ramp for rent

Add-on from $450

Employer benefits

Employer dashboard and invite flow
Matched savings from employers
Payroll provider integrations
Team templates

Add-on from $950

For investors and grant reviewers

The pitch, ready

When your salary lands onchain, it routes itself into your own jars in one intent.

Problem: Remote workers paid in stablecoins spend every payday moving money by hand, and rent or savings slip when they forget.

Solution: A smart wallet watches for the payroll transfer and runs one batched intent that pays rent first, then savings, a vault and an ETH slice with a price cap, only to addresses the user added.

Why now: More companies pay contractors in USDC, Base fees are cents, and intent solvers make multi step routing a single transaction.

Market: Remote workers and freelancers paid in stablecoins, and the employers who pay them.

The ask: Pilot with three remote first employers paying in USDC and 200 workers.

Funding is never guaranteed. Check each program's rules.

For hackathons and demo days

Your 2 minute demo

Home: meet Chidi in Yaba, paid in USDC by a Berlin startup.
Jars: set rent first, savings at 20 percent, and see the vault and ETH jars gated.
Me: unlock Plus through the USDC checkout, or use an employer code.
Payday: run an ordinary Friday and see one transaction fill every jar, with the share card.
Payday: run a short month and an ETH spike, and see what waits and why.
History: open the receipts and the Sunday digest.
Owner Revenue: change the Plus price and swap fee, and preview the Plans sheet.
Owner Growth and Roadmap: run a payroll partner day, then request bills and goals.

Many hackathons require code written at the event. See the Regatta Boardfor each race's rule.

Make it entirely yours

Custom work from $900: payroll provider integrations, an employer branded deployment, extra chains, or local off-ramps. Scoped on a call.

Custom from $900

BLUEPRINT

Why it matters and how it really works

The need

People paid in stablecoins spend time every payday moving money by hand: rent, savings, a vault, a slice of ETH. It is slow, easy to get wrong (an old address, a forgotten rent) and it happens every month.

What exists and what is new

Paycheck splitting into crypto already exists: Remote with Coinbase, OnJuno and Bitwage let workers send part of a salary to crypto, and Splits.org plus hackathon projects such as PayFlow and Seflow route income onchain. Research verdict: exists, low novelty. What this build adds is a user-owned version: the rules live in the worker's own smart wallet, payday is detected from the payroll sender, one intent fills every jar, and there is a hard price cap and a priority order for short months. It is a well-made take on a known idea, not a new category.

The data it runs on

The payroll sender address, the user's jar rules (fixed amounts, percentages, order, price cap), incoming USDC transfers, intent fills and a monthly summary. Labels and notes stay on the user's device.

1.The mission

Make payday the moment your money sorts itself, by your rules, in your own wallet.

2.Why people can't resist it

Sorted in a minute Salary lands and rent, savings and the rest are set aside before you open the app.

Rent first, always A clear priority order means a short month still covers rent before anything optional.

Sunday look A short weekly digest with one suggested tweak and an on-time rent streak.

3.How it works for real

Wallet: Privy embedded wallet or a Coinbase Smart Wallet on Base, with sub accounts or labelled vault positions acting as jars.

Rules and permission: Jar rules are stored as a policy; a scoped session key or spend permission lets the app move only the incoming salary, only to the user's own jars, within caps.

Payday trigger: An indexer (for example an Alchemy or QuickNode webhook) watches for USDC from the payroll address above a minimum share of usual pay.

Intent execution: One batched transaction (ERC-4337 user operation) does the transfers; the ETH slice uses a swap aggregator quote with a hard slippage cap and retries for a set window.

Optional vault: Deposits into an ERC-4626 USDC vault the user picks from a short vetted list. No yield is promised.

Notifications and summary: Push or Telegram message per payday, plus a monthly summary generated by a small low cost model (a Haiku or Flash tier) from the receipts.

Other chains: Same rules can run on Arc or Polygon where USDC payroll lands.

4.Cost per use and pricing

Per payday: one batched transaction on Base, usually a few cents or less at normal gas levels, plus swap fees on the ETH slice (aggregator and pool fees, often around 0.05% to 0.3%). A digest from a small model is a fraction of a cent. Example: 1,000 users paid monthly costs roughly $20 to $60 in gas and a few dollars in model calls, plus hosting and indexer fees.

Free $0

Up to three jars and one payday rule.

Plus $3 a month

Unlimited jars, ETH slice with price cap, Sunday digest and history export.

Teams $1 per worker a month

For employers paying in USDC who want to offer splitting as a benefit.

5.Growth loop

Each payday creates a small shareable moment (rent paid, streak kept). Employers that pay in stablecoins can invite their whole team, and freelancers share templates like 50/30/20 jars.

6.Risks and guardrails

Wrong trigger: A refund or gift could be treated as salary. Guard: payroll sender match and a minimum amount; anything else lands in Spending.

Price moves: Swaps can fill badly on volatile evenings. Guard: hard slippage cap and retry window; waiting is the default.

Vault risk: Vaults can lose money or be exploited. Guard: opt in only, short vetted list, clear warnings, no yield promises.

Key and permission security: A leaked session key could move funds. Guard: scoped permissions to the user's own addresses only, low caps, easy revoke.

Regulation and tax: Swaps may be taxable and rules differ by country. The app shows records but gives no tax or investment advice.

7.Build order

Smart wallet with labelled jars on Base
Payroll address detection with minimum amount
Fixed and percentage rules with priority order
One batched transfer per payday
ETH slice with slippage cap and retry
Payday receipt and monthly summary

8.Where this is going

Now
One worker, one payroll address, jars filled the minute pay lands.
Next
Bill jars that pay rent or utilities directly on the due date, with a heads up first.
Later
Employers offer it as a benefit and freelancers split invoices from many clients the same way.
The big one
Anyone paid in digital dollars, anywhere, gets the budgeting habit of a careful accountant without the chores.

Costs and tools are estimates at the time of writing. General information only, not legal or financial advice.

OWNER PLAYBOOK

Own it, then chart your voyage

Nine routes from one vessel. Tap a port to open its chart.

Why own Payday Splitter

Payday Splitter turns the hour you spend shuffling USDC every payday into a rule you set once. When you own it, the brand, the user list, and every routing fee belong to you, and your onchain history proves you built and run a real money tool. Using someone else's splitter means they own the relationship with every worker you bring in.

What’s stopping you?

“I can't code.”

You do not need to. Payday Splitter ships ready to deploy, and every path here is written for non coders. When you want to change something deeper, you can hire help or ask DEPLOYR support.

“Is it really mine?”

Yes. It is deployed from your wallet, the contract address is public, and the brand, users, and revenue are yours. DEPLOYR does not hold your keys or take a cut of your app's revenue.

“What if it routes money wrong?”

Rules run exactly as written, so test with small amounts first and keep a pause switch. Start every new user on a test payday before their real salary flows through.

“Is this legal for me to run?”

Splitting a user's own funds into their own wallets is a tool, not custody. If you ever hold other people's money or offer yield as an investment, get local legal advice first. Never promise returns from the vault slice.

“What if nobody uses it?”

Start with people you already know who get paid in crypto. Ten real users who rely on it every payday is a better start than a launch post.

The million-dollar ladder

You earn a small monthly subscription per user, or a tiny routing fee per payday, for keeping their buckets running. $1M a year is a target to aim at, not a promise, and most owners start far smaller.

$90

$1,800

$15,000

$85,000

First 10 users

10 users

$9/mo

Word of mouth

200 users

$9/mo

Team plans

300 teams