Payroll that flows,
block by block.
Sluice streams USDC salaries every second on Arc. Taxes split themselves, future income becomes a sellable asset, and a staked pool insures every paycheck against employer default.
Live on Arc Testnet - grab gas USDC at faucet.circle.com and connect any EVM wallet.
| Stream | Employer → Recipient | Size | USDC / sec | Vested | Progress | Proof |
|---|---|---|---|---|---|---|
| Reading streams from Arc… | ||||||
From escrow to paycheck in three moves
No pay cycles, no batch files, no bank rails. One contract holds the water; the sluice gates do the rest.
Employer escrows once
Fund a stream with USDC, set a duration and a tax split. The escrow starts flowing the same block - on Arc, gas is USDC too, so payroll never touches another token.
Salary vests every second
The stream is minted to the employee as an ERC-3525 token whose value is the USDC left to flow. No pay cycles, no batch runs - balance grows block by block.
Employee withdraws - or automates
Withdraw any vested amount; the tax share routes itself to the vault. Auto-trigger rules convert a slice of every paycheck with Circle Swap Kit on the way out.
Income as a programmable asset
Five primitives, one ERC-3525 contract. Everything below is live in this build - click through after connecting.
Streams are semi-fungible tokens
Each salary is an SFT: token value equals the remaining streamable USDC. Split part of a stream to another address, merge same-schedule streams, or transfer the whole thing - vesting math carries over pro-rata.
transferFrom(streamId, to, value)Compliance splits, enforced onchain
Every withdrawal automatically routes the configured basis points to a tax vault before the employee sees a cent. Set it per stream: 8% payroll tax, 0% for contractors.
withdrawFromStream(streamId, amount)Sell future income for cash today
List a stream at a discount and any liquidity provider can buy it - payment goes straight to the seller, the SFT and all future flow transfer atomically to the buyer.
listStreamForSale · buyStreamPayday loans without the loan shark
Borrow up to 50% of your unwithdrawn stream value instantly. No interest, no liquidations - the advance repays itself as salary keeps vesting.
borrowSalaryAdvance(streamId, amount)Credit-default pool for salaries
Pay a one-time 0.5% premium and your stream is covered: if the employer cancels early, the unvested remainder is claimable from a pool underwritten by USDC stakers who earn the premiums.
insureStream · claimDefaultCoverageStream-to-DeFi auto-triggers
Per-wallet rules run after every withdrawal - swap 20% to EURC, stack WBTC, dollar-cost-average by paycheck instead of by calendar. Powered by Circle Swap Kit through your own wallet.
web/src/lib/automation.tsFree for payroll. Revenue is the float.
The same model payroll processors have run for decades - earn on the pre-funded window - except here the numbers are onchain and anyone can audit them.
Idle escrow earns while salaries vest
Employers pre-fund streams, so roughly half the payroll sits idle at any moment. Anyone can sweep it to the treasury, which routes it across yield venues on Arc and, via CCTP, on other chains. Every dollar of NAV above swept principal is protocol revenue.
SluiceTreasury.claimYield(to)0.5% when future income trades hands
Selling a stream is a windfall moment - a seller accepting a 5% discount for instant cash pays 50bps of the ask to the protocol at purchase. Streams, withdrawals and advances stay free; the fee sits only on the liquidity event.
MARKET_FEE_BPS = 50No fees on payroll itself
Creating streams, withdrawing salary and borrowing advances carry zero protocol fee, and insurance premiums accrue entirely to the stakers who underwrite the risk. Adoption first; revenue rides the float, not the paycheck.
createStream · withdraw · advance — 0 bpsThree sides of every salary
For employers
- One escrow transaction replaces the entire pay run
- Tax withholding enforced by the contract, not the back office
- Cancel anytime - vested pays out, unvested refunds
- Idle escrow routes to cross-chain yield via CCTP, live on Arc
For employees
- Get paid every second, not every month
- Sell or split your stream when life needs liquidity
- Insure your income against employer default for 0.5%
- Auto-route each paycheck into savings or DeFi
For liquidity providers
- Buy discounted streams - collect the full face value
- Stake the insurance pool and earn every premium
- Sub-second finality on Arc keeps positions atomic
- All positions are onchain, transferable, composable
Open the sluice.
Open the app to stream your first salary, trade future income on the marketplace, and watch idle escrow earn yield - live on Arc Testnet.