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Zebec Network

ZBCN · Field entry
PaymentsPayments & moneyDeFi

A crypto payroll, streaming-payments and card platform with a governance token

By

$0.0023022.12%Snapshot · October 10, 2026 · updates live
Market cap
$230.14M
24h volume
$7.30M
Rank
#173
Circulating
100.00B ZBCN
Max supply
100.00B ZBCN
All-time high
$0.007003 May 29, 2025

ZBCN price chart

7-day snapshot. Chart data from CoinGecko.

What is Zebec Network?

Zebec Network is a company-run payments platform that lets employers pay workers in stablecoins as wages accrue, and lets people spend crypto through Zebec cards. ZBCN, a token on Solana, is used for governance votes, product fees, staking rewards and fee discounts inside the Zebec app.

Utility Lens

What Zebec Network actually does

Moves wages and business payments in stablecoins in near real time and lets recipients spend or cash out the money.

Real-world usage
earlyPayroll, cards and off-ramp integrations are live, but Zebec publishes little independently verifiable data on on-chain payroll volume, and much of its quoted payroll volume comes from conventional payroll firms it bought.
Token necessity
optionalWorkers are paid in stablecoins and employers can pay fees in stablecoins that are converted automatically, so nobody has to hold ZBCN to use the products.
Decentralization
centralizedThe payroll, card and treasury products are run by Zebec as a company, and buybacks and product changes are company decisions with a hybrid, partly off-chain DAO process.
Track record
provenThe streaming protocol launched on Solana in late 2021 and the token in 2022; we found no widely reported protocol hack, but the project has rebranded and changed strategy several times.

How we rate

What it’s used for

Employers use Zebec's payroll product to pay staff and contractors in stablecoins such as USDC, EURAU and RLUSD on Solana, Stellar, the XRP Ledger and Canton. Recipients can hold the funds, spend them with a Zebec card, or, on Stellar, cash out locally through MoneyGram. ZBCN holders stake inside the Zebec SuperApp, vote on DAO proposals and get fee discounts. Zebec publishes few independent figures on on-chain payroll volume, so its scale is hard to check.

Role of the ZBCN token:

governancepaymentsfee discountbuyback

Evidence of real use

  • Zebec's docs list Solana, Stellar, the XRP Ledger and Canton as supported for both payroll and cards, with other chains supported for cards only. Source
  • Zebec's January 2026 tokenomics update says employers pay payroll service fees in ZBCN, or in stablecoins that are automatically converted to ZBCN when fees are charged. Source
  • In September 2026 Zebec, the Stellar Development Foundation and MoneyGram announced MoneyGram Ramps as the first fiat off-ramp for Zebec's payroll on Stellar. Source
  • Under the ZIP-4 proposal in early 2024, the Zebec DAO paused token burns but kept recurring ZBCN buybacks, which Zebec says are funded by product revenue. Source

How Zebec Network works

Zebec started in 2021 as a 'streaming payments' protocol on Solana. Instead of paying staff once every two weeks, an employer funds a payment stream and the balance builds up for the worker second by second. The worker can withdraw what they have already earned at any time. Today the same idea runs inside the Zebec SuperApp, which supports payroll on several blockchains and pays out in stablecoins. The stablecoin issuer, not Zebec, is responsible for keeping each coin worth one dollar or one euro.

Zebec cards let you load crypto and spend it in local currency wherever the card network is accepted, with tiers called Silver, Carbon and Black. Zebec says more than 150 tokens can fund a card, including ZBCN. Card availability, limits and fees vary by country, and identity checks apply: in 2025 Zebec bought Gatenox, a compliance firm that handles KYC (know-your-customer) and anti-money-laundering checks. Because cards run through card networks and partner issuers, they work like a prepaid card rather than a self-custody wallet.

ZBCN is a token on Solana. It replaced the older ZBC token in 2024, when each ZBC was swapped for 10 ZBCN. Zebec once built its own Ethereum-compatible 'Layer 3' chain, Nautilus, where ZBCN was meant to pay fees. Its 2026 tokenomics instead describe ZBCN's role at the product level: payroll fees, staking rewards, SuperApp discounts, card rewards tiers and governance votes. Zebec says it uses part of its revenue to buy ZBCN back on the open market.

Key moments

  1. 2021Zebec Protocol launches streaming payments on Solana.
  2. 2022The ZBC token launches and lists on exchanges in March.
  3. 2023Zebec launches its first crypto card, buys payroll firm PayBridge and opens its Nautilus Layer 3 chain.
  4. 2024The project rebrands as Zebec Network and migrates ZBC to ZBCN at 1 ZBC to 10 ZBCN.
  5. 2025Zebec acquires compliance provider Gatenox and the UK student-card company Science Card.
  6. 2026The final scheduled token unlock happens in March, and MoneyGram becomes the cash-out option for Zebec payroll on Stellar.

Supply

ZBCN has a maximum supply of 100 billion, carried over from ZBC's supply through the 1:10 swap. Zebec's tokenomics page says the last scheduled unlock happened in March 2026, so almost all tokens are now distributed. Buybacks funded by revenue continue, and token burns have been paused since 2024, though the DAO says it may consider bringing burns back by the end of 2026.

Risks to understand

  • Company dependence: the payroll, card and buyback programs are run by Zebec, so the token's usefulness rests on one company's execution and funding.
  • Weak token link: workers are paid in stablecoins and employers can pay fees without holding ZBCN, so growth in product use may not translate into demand for the token.
  • Partner and regulatory exposure: cards, stablecoins and cash-out depend on outside issuers, networks and local rules, and features can be paused or withdrawn by country.
  • Hard-to-verify claims: Zebec does not say how much of its quoted payroll volume moves on-chain, and much of it likely comes from conventional payroll firms it bought, such as PayBridge, rather than from on-chain payments.
  • Frequent pivots: the project has moved from Solana streaming to its own chain, DePIN hardware and now multichain payroll, which makes its long-term direction harder to judge.

Zebec Network FAQ

What is ZBCN used for?

ZBCN is used for Zebec DAO votes, payroll product fees, staking rewards and discounts or rewards inside the Zebec app and cards.

What happened to the ZBC token?

In 2024 Zebec Protocol rebranded as Zebec Network and swapped every ZBC for 10 ZBCN, so ZBCN is the same project's token with a different ticker and unit size.

Do I need ZBCN to get paid through Zebec?

No. Zebec payroll pays out in stablecoins such as USDC, and employers can cover fees in stablecoins that are converted automatically.

Which blockchain is ZBCN on?

ZBCN is a Solana token, even though Zebec's payroll and card products also support other chains, including Stellar and the XRP Ledger.

Sources

  1. Zebec Network (ZBCN) Tokenomics, updated January 2026 — Zebec Network
  2. Tokenomics — Zebec Network Docs
  3. Supported chains and assets (enterprise payroll) — Zebec Network Docs
  4. Zebec Announces Migration to ZBCN and Favorable Token Split — Business Wire
  5. Zebec and MoneyGram Expand Enterprise Payroll with Global Fiat Off-Ramp Access on the Stellar Network — Zebec Network
  6. Inside the ZBCN Buyback Program — Zebec Network
  7. Zebec's Transformative Acquisitions — Zebec Network

Last reviewed October 10, 2026. Written by . Utility Lens ratings are editorial judgments, not investment advice. Market data from CoinGecko. Spot an error? Request a correction.

About the author

Dave McNaught has worked in IT since 1999 and founded All Business Technologies (ABT) in 2003, a Boston-area firm providing Managed IT, Cybersecurity, Managed AI, Web Design and App Development. He publishes The Crypto Guide.

Full bio