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Your Payroll Funds Earn Up to 3.0% Annual Percentage Yield (APY), While You Still Run Same-Day Payroll
New York, NY: December 1, 2025 Niural AI, the unified platform for global workforce and financial management, today announced the full rollout of Niural Cash Rewards, a major new feature that offers tiered cash rewards on operational wallet balances held by its U.S.-based business customers. This launch transforms how growth-stage companies manage their working capital, used for payroll and vendor payments.
How Niural Cash Rewards Works
Cash Rewards is designed to provide a clear, competitive reward without the complexity or lock-ups associated with traditional treasury products. With a tiered reward structure, higher deposits can earn higher APY, calculated daily on end-of-day wallet balances and credited monthly.
Key features of the program include:
- No Minimum Balance Required: All eligible clients begin earning rewards immediately, ensuring accessibility for businesses of all sizes.
- Automated Payouts: Rewards are calculated and accrued daily and paid monthly.
- FDIC Insured: All funds are FDIC-insured.
- Real-Time Transparency: Clients benefit from real-time dashboards and monthly statements that provide full visibility into daily accruals, tier application, and total rewards earned.
Who is eligible
Phase-one eligibility includes U.S. based companies that have subscribed to one of Niural’s products - US Payroll, US PEO, EOR, Contractor Management, or Niural Pay.
Why it’s different
Cash Rewards is designed for clarity and dependability: simple tiers, daily accruals, automated monthly credits, FDIC-insured funds, and full transparency: no extra setup for existing, eligible Niural AI customers. It integrates directly with Niural’s payroll, compliance, onboarding, and global payments, reducing context switching and reconciliation work.
"As a former CFO and now a founder, I’ve lived the tension of managing payroll, vendor payments, and runway with absolute precision. The reality is that most companies keep significant operational cash idle simply because it’s earmarked for upcoming pay cycles. With Cash Rewards, we’re turning that idle capital into active reward without changing a single workflow. It’s the kind of financial upside I wish I had years ago: automated, compliant, FDIC-insured, and directly embedded into the system where money already moves."–Nabin Banskota, Co-Founder of Niural AI.
"Niural makes managing payments incredibly simple and stress-free. The added flexibility of having crypto wallet options built right in makes the whole experience efficient and very convenient." – Luis Alberto, Aerodrome Foundation
Book a demo to learn more about Niural Cash Rewards and the tiered rate structure.
About Niural AI
Niural AI is the unified platform for global workforce and financial management, built for growth-stage companies. By consolidating global finance, HR, operations, and compliance into a single, intelligent system, Niural AI eliminates administrative friction and compliance risk. Niural AI empowers founders, HR leaders, and finance leaders to scale their businesses confidently and focus on strategic growth rather than operational complexity.
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Disclaimer: Annual Percentage Yield (APY) is variable and subject to change after account opening. Rate is compounded monthly and credited monthly. Niural is a financial technology company and is not a bank. Banking services are provided by i3 Bank, Member FDIC.