N/a 

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1. WageLink is an up-and-coming super payroll app, developed by Zebec, that allows employees to receive their pay up to one week early. Additionally, WageLink offers an array of features that caters to the evolving needs of today’s workforce. Key features include:(1) mobile payment capabilities that enables employees to make transactions directly from their phones, and (2) budgeting tools to empower individuals to track their expenses and saving goals. Over 62% of Americans today live paycheck to paycheck, and 4.5% are unbanked. WageLink aims to provide viable and accessible financial tools for Americans to access their hard-earned wages to be able to focus on being more productive at work instead of worrying about financial troubles. The WageLink app is designed to be intuitive, making it easy for everyone, no matter how tech savvy, to access and keep track of their wages, expenses and spending habits. 

2. How it works and how it uses Stellar and Soroban?  
   1. Wagelink is looking to launch an Earned-Wage-Access product which is going to allow the mass adoption of the app through early access of payroll for the employees. This is where the Stellar Disbursement Platform will come into play as a major portion of WageLink’s customer base will use stablecoin (e.g Circle USDC) over Blockchain Network Platforms like SDP to receive their early payroll in Stellar wallets. There is an additional critical use case where the early wage will be used to remit funds across the border at a minimum fee.
   2. Wagelink’s customer base includes a big contingent of migrant workers who are interested in cross-border remittances and will be the first user of Stellar Payments
   3. The Card Issuer is Santander Bank and the prepaid card partner is PrePaidDigital Solutions. The cards will be loaded with USDC from a USDC minting account created in association with Circle. The employees, when requested for the Earned Wage Access program, will have their payroll fund being converted from USD to USDC and sent using Stellar across cross-border.
   4. Regarding the off-ramp of USDC, Wagelink wants to provide the following options to the receiver of the fund.

         - Vibrant Wallet

         - Zebec Instant Card        

https://docs.google.com/document/d/1ANNzD1-M5zMkxdX6qdFOLFbQenT3Xl0p/edit

https://wagelink.io/

https://vimeo.com/manage/videos/890694815/,?utm_source=email&utm_medium=vimeo-cliptranscode-202304&utm_campaign=&utm_source=email&utm_medium=vimeo-cliptranscode-201504&utm_campa

https://drive.google.com/file/d/1ETGyNVMRgObP06dnAcmVAXkKSOJ1GXfm/view

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50000

1. Total Expected Roadmap - WageLink Stellar Integration Development Roadmap
   1. Phase 1: Planning & Design (Duration 4 weeks)
      1. Week 1-2 - Project Kickoff
      2. Week 3 - Requirement Gathering
      3. Week 4 - Technical Design
   2. Phase 2: Development (Duration: 12 Weeks)
      1. Week 5-7 - Mobile App development
      2. Week 8-9 - Backend Server Development
   3. Phase 3: Testing (Duration: 2 Weeks)
      1. Week 10-11 - Test Execution
   4. Phase 4: Deployment (Duration: 2 Weeks)
      1. Week 12 - Deployment Preparation
      2. Week 13 - Deployment
   5. Phase 5: Post-Deployment (Ongoing)

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Zebec

Zebec is a fintech company based out of the US that has over 40 years of experience between project management, sales, and technology. Zebec has been operating in the Web3 space now for over 2 years, developing Web3 products such as Zebec Protocol (a payment streaming protoocol on Solana), Nautilus Chain, and WageLink. The Zebec team has recently acquired a payroll company in the United States called Paybridge, which serves over 10,000 clients in the Midwest. Having experience in both realms, makes us the perfect team to combine Web2 and Web3 solutions to improve and revolutionize the financial system!

1. Our core team is based out of the US and has over 40 years of experience between project management, sales, and technology. Zebec has been operating in the Web3 space now for over 2 years, developing Web3 products such as Zebec Protocol and Nautilus Chain. The Zebec team has recently acquired a payroll company in the United States called Paybridge, which serves over 10,000 clients in the Midwest. Having experience in both realms, makes us the perfect team to combine Web2 and Web3 solutions to improve and revolutionize the financial system!
2. Sam Thapaliya - https://www.linkedin.com/in/zebecsam/ (Founder and CEO) - Sam has an AI background with 4 patents and has been in the blockchain industry for over 4 years
3. Simon Babakhani - https://www.linkedin.com/in/simonbabakhani/ (Head of Growth and M&A) - As founding team member of Zebec, Simon brings over 10+ years in a Wall Street background having worked for leading private equity firms (Bain Capital, Parthenon Capital) and consultancy Oliver Wyman.  Simon leads all growth initiatives for Zebec including Sales, Marketing and M&A.
4. Aniruddha Dasgupta - https://www.linkedin.com/in/aniruddha-dasgupta-05a5a79/ (Fintech Product Leader) - Aniruddha is a senior engineer manager with 18+ years experience leading high performance teams. Aniruddha joined Zebec in January 2023, having worked at Gemini building Fintech products for the exchange and spent 10 years at Visa.  Aniruddha leads the Zebec Card program among other Fintech initiatives for Zebec. 
5. Ashish Shrestha - https://www.linkedin.com/in/ashishsth7586/ (Product Leader)  - Ashish is a Blockchain Product Leader at Zebec and has over 3 years working in the blockchain industry and is fluent in Rust among other software languages.   Ashish is a founding team member of Zebec.
6. JJ Ortiz Rivera - https://www.linkedin.com/in/jj-ortiz-rivera-61a270bb/ (Senior Account Executive) - JJ Ortiz has over 4-5 years of B2B outbound sales experience with over 2 years selling Bitcoin hardware devices across the US. He has over 2 years in the blockchain industry.
7. Nealesh Padhye - https://www.linkedin.com/in/nealeshpadhye/ (Director of M&A) - Nealesh is a Duke University graduate that has been in the M&A industry for over half a decade working at leading private equity firms such as Apollo Global and Northlane Capital.  Nealesh started his career in Investment Banking at BlackArch Partners.  Neal is a M&A director for Zebec and works out of Zebec’s US investment entity “Payroll Growth Partners”.
8. Parth Shah - https://www.linkedin.com/in/p4rthsh4h/ (Associate) – Parth is a University of Central Florida graduate that has been in the M&A industry for 2 years focusing on FinTech verticals, most notably Blockchain, Payments and HCM.
9. Pragyan Rimal - https://www.linkedin.com/in/prarimz/ (Head of Community) - Pragyan is Zebec’s Head of Marketing and Community and oversees all community development efforts in the company. He also has experience running his own marketing firm. 

Nischal Rana - https://www.linkedin.com/in/nnr8/ (Head of HR) - Nischal is Zebec’s Operations Manager and manages our internal admin tasks such as employee onboarding and acts as a company liaison to Zebec’s external legal counsel.

Zebec currently has an active user base within the Wagelink application. Zebec’s US investment entity “Payroll Growth Partners” acquired two payroll companies, Paybridge and School Payroll Services, that provide payroll services to over 10,000 workers with families across borders. This would be the initial customer base. WageLink’s customer base will then use stablecoins (e.g Circle USDC) over SDP to receive their early payroll in Stellar wallets.

1. Planning & Design Phase – 
   1. Project Plan - Detailed project plan outlining tasks, milestones, timelines and responsibilities

      - Define Project Scope, objectives & success criteria

      - Assemble project team & assign roles

      - Conduct initial stakeholder meetings.

2. System requirement document - Detailed document specifying functional and non-functional requirements.

      - Collaborate with stakeholders to gather detailed system requirements

      - identify functional & non-functional requirements

 

2. Development Phase – 
   1. Mobile App - Compiled and tested mobile app binaries for iOS and Android platforms.

       - Begin mobile app development using a cross-platform framework (React Native/Flutter)

       - Implement user authentication and basic app functionality

 

2. Backend Server - Source code and documentation for the backend server.

       - Develop the backend server using Node.js (Express) or equivalent.

       - Implement API endpoints for user authentication, Stellar integration and payroll processing

 

1. User Authentication and Authorization - Authentication system implementation, including OAuth 2.0 integration.