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% Annual Percentage Yield (APY)* on every pre-funded dollar.

Start earning today
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FDIC Insured
No Lockups
Zero Setup Fees

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Niural Cash Rewards Program
Niural AI

Niural AI
86 subscribers

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.

Calculate your rewards

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.

No account or domestic transaction fees. Some foreign transaction fees may apply in limited circumstances.

Niural is a financial technology company and is not a bank. Banking services are provided by i3 Bank, Member FDIC.

Open Your Wallet. Start Earning in Minutes.

Easy to activate. No minimums.

Get Started
Book a Demo

1. Verify your business
   Complete a secure KYC/KYB onboarding process.

2. Fund your wallet
   Connect your existing bank account or transfer funds. Niural Wallet works independently or alongside other Niural products.

3. Activate cash rewards
   Enable rewards in one step and begin earning immediately, no minimums, no setup fees.