What if your payday wasn’t bi-weekly, but bi-second? In this episode, we sit down with Simon Babakhani, CEO and Co-Founder of Zebec, to discuss how the company is moving past speculative retail crypto to build robust, utility-driven financial infrastructure. We dive deep into the concept of PayFi (Payment Finance) in the XRP ecosystem and how real-time programmable money streams are completely reshaping the way enterprises handle payroll, compliance, and international value movement.

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00:00 Introduction to Utility-Driven Finance
03:02 The Rise of PayFi and Real-Time Payments on XRPL
05:54 Privacy in Payroll Solutions
08:58 Navigating Federal Withholdings and Tax Solutions
12:01 The Future of Stablecoins in Enterprise Transactions
15:03 Multi-Chain Strategies and Token Migration
17:53 The Super App and Its Features
21:27 Understanding IBAN and Its Role in Modern Banking
22:48 Custody Solutions and KYC Requirements
24:45 Limits and Flexibility in Financial Transactions
25:54 The Future of Payroll and Enterprise Solutions
27:59 Yield Options and DeFi Integration
28:38 The Rise of Agent Pay and Automation in Payroll
29:42 Tracking Payments and Reporting Features for Businesses
31:05 The Gig Economy and Continuous Payment Solutions
32:29 Integrating Web3 Protocols with Traditional Banking
33:49 The Demand for Streaming Payments in the Gig Economy
35:38 The Future of Stablecoins and Corporate Adoption
37:01 Retail Giants and the Potential of Stablecoins
39:14 Real-World Assets and the Evolution of PayFi

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