Niural Wallet
Business Wallet Where Your Operating Funds Earn Revenue
Run payroll, EOR, and vendor payments in fiat and crypto from one place, and earn up to 3% APY on every pre-funded dollar.
Effortless Earnings. Complete Control.
Simple and secure way to automatically earn cash rewards on your payroll and payment balances.
Activate in minutes
Enable Niural Cash Rewards directly from your dashboard. Balances are FDIC insured.
Earn as you run operations
Balances across payroll, vendor payments, and contractor disbursements earn cash depending on your tier.
Full financial visibility
A real-time dashboard provides daily accruals, balance history, and monthly statements, fully auditable and exportable for accounting, finance, and compliance teams.
Tiered Rewards
Your Operating Cash
Should Be Working for You
Businesses often keep significant funds in non-yielding accounts while preparing for payroll cycles or vendor obligations. Niural turns that idle balance into a reliable earning opportunity.
Tiered reward structure with high APY available for higher balances.
Rewards accrue daily and are credited automatically on the 1st of each month.
Niural Wallet Capabilities
One Wallet for Payroll, Payments, and Treasury
Unified global business wallet for payroll and payments.
Same-day payroll and payments
Run payroll, vendor payments, and contractor payouts without delays.
Multi-currency and stablecoin support
Hold and convert USD, EUR, ETH, USDC, or USDT in one place. Pay global teams in local currencies or stablecoins with full compliance and clear financial records.
Unified financial operations
All payroll, EOR, and vendor transactions reconcile into a single ledger, reducing fragmentation, manual reconciliation, and system switching.
Use Cases
How Modern Finance Teams Use Niural Wallet
See how finance teams simplify global operations.
Fund once, run everything
Top up from your existing bank and manage payroll and vendor payments directly from Niural Wallet.
Centralized vendor payments
Use Niural Pay to manage invoices, reimbursements, and disbursements through one unified platform.
U.S. payroll with continued rewards
Run PEO/ASO payroll while maintaining earnings on pre-funding balances until payouts are executed.
Global contractor payments
Pay 1099 workers in USD or optional stablecoins. Contractors can manage how they receive funds through their own wallet experience.
Employer of Record coverage
Settle payroll across 150+ countries using Niural’s EOR network, with a consolidated view of rewards and operating balances.
Enterprise-Grade Security for Operating Capital
Scale with confidence.
SOC 2 Type 2 Certified
Ensuring rigorous controls and continuous audit standard.
Funds are FDIC-insured
On eligible USD balances.
Transparent pricing
No hidden spreads. No surprise fees. Ever.
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.
Verify your business
Complete a secure KYC/KYB onboarding process.
Fund your wallet
Connect your existing bank account or transfer funds. Niural Wallet works independently or alongside other Niural products.
Activate cash rewards
Enable rewards in one step and begin earning immediately, no minimums, no setup fees.