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Paier

AP Automation for Employers. Daily Pay for Employees.

AI-powered AP & payroll automation with same-day settlement
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The AP & Payroll Crisis

SMBs are drowning in manual payment processes while enterprise solutions remain out of reach

💼 The Payroll Bottleneck

Mixed workforces create payment chaos

$9.7T
Annual US payroll
82%
Want daily pay access
14 days
Avg W2 pay cycle
42+ days
Contractor payment delay
The pain: Workers want daily pay, but SMBs are stuck on rigid weekly/biweekly cycles. Outdated payroll hurts retention and contractor relationships.

📄 The AP Nightmare

Invoice processing is stuck in the past

$15
Cost per manual invoice
25 days
Avg processing time
3.6%
Invoice error rate
62%
Still use manual AP
The cost: SMBs lose $22K/year on manual AP. Email approvals, spreadsheet tracking, and missed early-pay discounts drain cash flow.
Paier automates AP and unifies workforce payments — one platform for invoices, contractors, and payroll
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The Cost of Manual Processes

❌ Manual AP & Payroll

📅 Rigid pay cycles: Weekly, biweekly, monthly — workers wait
📧 Email chaos: Invoices buried in inboxes, lost attachments
📊 Spreadsheet hell: Manual tracking, version conflicts, errors
⏰ Approval delays: Chasing signatures, bottlenecks at every step
🔀 Siloed systems: Separate tools for W2, 1099, and vendors

✓ The Paier Way

⚡ Daily pay: W2 earned wage access, instant contractor payments
🤖 AI ingestion: Auto-extract invoice data, match to POs
📱 One-tap approvals: Mobile-first, real-time notifications
💰 Daily AP runs: Process payables daily, not monthly batches
🔗 Unified platform: Vendors, contractors, W2 — one system
80%
Reduction in processing time
$3
Cost per invoice (vs $15)
Daily
Settlement vs 3-5 day ACH
0
Duplicate payments
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The Paier Platform

Daily runs. Same-day settlement. One unified view.

9:41
📶 🔋

Payables

⚡ Daily Run
📄 AWS Services
Auto-matched to PO #4521
$2,847
Pending
📄 Office Supplies Co
2% early-pay available
$1,250
Pending
📄 Contractor - Sarah M.
Milestone: Design Phase
$4,500
Approved ✓
Ready to Process
$8,597
9:41
📶 🔋

People

⚡ Instant Pay
This Month's Contractor Spend
$34,200
Paid: $28,700 Pending: $5,500
Active Contracts
SM
Sarah M.
Design • Milestone 2/4
$4,500
JK
James K.
Dev • Weekly retainer
$2,500/wk
✓ All 1099s generated • W-9s on file
9:41
📶 🔋

Payroll

⚡ Daily Pay On
December Payroll
$127,450
23 employees Taxes: $31,862
Daily Pay Requests
Mike R. requested
Earned: $1,240 available
$500
Lisa T. requested
Earned: $980 available
$300
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AI-Powered Automation

From contract creation to payment in minutes — AI handles the heavy lifting

📝
AI Contracts
Auto-generate W2 or 1099 contracts based on role & history
→
🤖
Smart Capture
Invoices ingested, data extracted, POs matched
→
🛡️
Fraud & Compliance
Anomaly detection, bank verification, audit trail
→
📊
Tax Mapping
Auto W-9 collection, 1099 generation, withholding
→
💸
Daily Settlement
Same-day payments, optimal rail selection
📝

AI Contract Generation

Auto-create W2 or 1099 contracts based on worker type, role, and your past agreements. Learn from your templates.

🧠

Invoice Intelligence

98% extraction accuracy. Learns your vendors, catches duplicates, flags anomalies before payment.

📊

Tax & Compliance

Automatic W-9 collection, 1099-NEC generation, tax withholding calculations. Year-end ready.

🔀

Multi-Rail Routing

ACH, same-day ACH, wire, or crypto. Best rail selected per payment automatically.

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Why Paier is Different

Purpose-built for SMBs scaling to enterprise

🎯
Unified AP + Payroll
One platform for vendors, contractors, and employees
1
System for All Payments
📝
AI Contract Engine
Auto-generate W2 or 1099 contracts from templates or past agreements
90%
Faster Contract Creation
🔀
Multi-Rail Intelligence
ACH, wire, same-day, crypto — optimal routing per payment
60%
Cost Reduction
⚡
The Daily Pay Era
W2 earned wage access, instant contractor pay, daily AP batching
Daily
Not Weekly/Biweekly
📊
Built-in Tax Mapping
Auto W-9 collection, 1099-NEC generation, withholding calculations
100%
Year-End Compliance
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Two-Sided Platform

Enterprise AP meets consumer fintech — one platform, two experiences

EMPLOYER DASHBOARD
🏢
Business Command Center
AI-powered AP, payroll, and spend management
📄
AP Automation
AI invoice processing
👥
Contractors
AI contracts & payments
💰
Payroll
W2 + daily pay
💳
Corp Cards
Coming Phase 2
RAMP-STYLE POWER + AI/BLOCKCHAIN RAILS
⚡
Shared Rails
Instant Settlement
EMPLOYEE APP
📱
Personal Finance Hub
Earnings, wallet, payments — all in one
⚡
Daily Pay
Access earned wages
👛
Wallet
Balances & history
🔄
P2P Payments
Pay coworkers & more
💳
Paier Card
Coming Phase 3
VENMO/ZELLE GROWTH PATH
1. Employer signs up
→
2. Employees get app
→
3. Use daily pay
→
4. P2P with coworkers
→
5. Invite anyone → Consumer fintech
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The Employee Experience

W2 wages + contract gigs. Daily pay. Auto-budgeting.

9:41
📶 🔋
Welcome back
Mike R.
MR
Total Available
$3,247
$1,120
W2
$1,400
Contracts
$727
Wallet
Income Sources
💼
Acme Corp (W2)
64 hrs • $28/hr
$1,120
📝
Side Gigs (1099)
2 active contracts
$1,400
Home / Wallet
9:41
📶 🔋
⚡
Get Paid Now
Available to Access
$2,520
W2: $1,120 Contracts: $1,400
Select Amount
$100
$250
$500
$1,000
$1,500
Max
📦
Auto-Bundle Active
$85 → Rent, Phone, Savings
To Bundles-$85
You receive$415
Fee$0
Get Paid
9:41
📶 🔋
📦 Bundles
$85/day
Total Bundled
$1,297
Auto-saved from earnings
🏠
Rent
Due Jan 1 • $50/day
$892
of $1,400
📱
Phone Bill
Due Dec 28 • $5/day
$65
of $85
💰
Emergency Fund
No due date • $30/day
$340
of $1,000
Bundles
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Paier Architecture

AI-powered decisions, blockchain-settled payments, traditional rails when needed
🧠
AI/ML LAYER
Document Intelligence
GPT-4 Vision for invoice OCR, data extraction, PO matching
Contract Generation
Fine-tuned LLM generates W2/1099 agreements from templates + history
Fraud Detection
Custom ML for anomaly detection, duplicate invoices, bank verification
Payment Optimization
ML routing: cost, speed, early-pay discounts
⛓️
BLOCKCHAIN LAYER
Network
Base (Coinbase L2) — low fees, instant finality, enterprise-grade
Settlement
USDC stablecoin for 24/7 instant settlement, no float
Payment Triggers
Solidity contracts for milestone escrow, auto-release on approval
Audit Trail
Immutable on-chain record of approvals, signatures, payments
💸
PAYMENT RAILS
Traditional
Modern Treasury — ACH, same-day ACH, wire for fiat payments
Crypto On/Off Ramp
Coinbase Prime — USDC ↔ USD conversion, custody
Intelligent Routing
AI selects optimal rail per payment: speed vs cost vs recipient preference
Daily Batching
Aggregate payments, optimize timing, maximize early-pay discounts
🔐
COMPLIANCE LAYER
Identity
Persona for KYC/KYB, Plaid for bank verification
Payroll Engine
Check — W2 processing, tax filing, state compliance
Tax Mapping
Auto W-9 collection, 1099-NEC generation, withholding calc
Security
SOC 2 Type II, end-to-end encryption, role-based access
AI extracts & validates
→
Smart contract holds escrow
→
USDC or ACH settles instantly
→
1099 auto-generated
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Paier Payment Flow

AI-powered routing across traditional and blockchain rails

⚡ System Architecture
📱 Frontend
React Native • Next.js • Dashboard
🧠 AI Layer
GPT-4 Vision • Custom ML • Fraud Detection
⚙️ Core Services
📄
AP Engine
🔀
Router
📒
Ledger
💼
Payroll
⛓️ Blockchain
Base L2 • USDC • Solidity Escrow
🌐 External APIs
Modern Treasury • Coinbase Prime • Check • Plaid
🔄 Payment Routing
📥 Payment Request
"Pay $4,500 to contractor"
🧠 AI Classification
Type, urgency, recipient prefs
⛓️ Escrow (if milestone)
Smart contract holds until approved
🏦
ACH
Modern Treasury
⚡
USDC
Base L2 • Instant
🌐
Wire
International
📊1099 Auto-Generated
📒On-Chain Audit Trail
🔑Idempotency
🪝Webhooks
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Go-to-Market Strategy

AP is the wedge → Employers onboard employees for free → P2P unlocks at scale

🏢 Sell AP
→
👥 Employer Onboards
→
💳 Wallet + Coworker P2P
→
⚡ Full P2P (Y2)
→
↻ Viral Growth
YEAR 1 • AP WEDGE

Enterprise AP + Employee Wallets

Sell AP automation to employers; they onboard employees at zero CAC to us

✓ AI invoice processing & matching
✓ Vendor & contractor payments
✓ Employee daily pay + digital wallet
✓ Coworker P2P payments
✓ Paier Card (interchange from Day 1)
300 SMB • 15 MM • 3 Ent • 8K cards $2.5M ARR
YEAR 2 • FULL P2P

Mainstream P2P Adoption

Open P2P beyond coworkers — external sends, viral growth

+ Send to anyone (not just coworkers)
+ Bill splitting & payment requests
+ USDC yield on bundles
+ Mid-market AP expansion
700 SMB • 100 MM • 35 Ent • 35K cards $12M ARR
YEAR 3 • ENTERPRISE ENGINE

Enterprise = 40% of ARR

Network effects + enterprise features drive growth

+ Multi-entity / multi-currency
+ Global contractor payments
+ SOC 2 Type II, SSO, audit logs
+ ERP deep integrations
1K SMB • 250 MM • 100 Ent • 100K cards $32M ARR
YEAR 5 • MARKET LEADER

Full-Stack Dominance

Enterprise = 60% of ARR, 5 revenue streams

★ 400 enterprise customers
★ 350K employees on cards
★ $15K avg enterprise ARPU
★ Consumer network effects
1.5K SMB • 650 MM • 400 Ent • 350K cards $100M ARR
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Real-World Impact

How Paier solves critical payment challenges

🏛️
Regional Healthcare Nonprofit
3,500 payments/month • 45 staff • 200+ contractors
⚠️ THE PROBLEM
Suffered $47K in fraudulent contractor payments after email compromise. Manual AP process couldn't detect fake invoice submissions. No verification layer for new contractor bank details.
✓ PAY.I SOLUTION
• AI flags anomalous invoices & new bank details
• Daily payment runs with same-day settlement
• Contractor identity verification via Persona
• Complete audit trail for every change
$0
Fraud losses since
Daily
Payment runs
🎨
Boutique Interior Design Studio
8 employees • 25 contractors • $2M annual projects
⚠️ THE PROBLEM
Founder spending 15+ hours/week on AP and contractor admin. Proposals and contracts drafted manually in Word. Missed project milestones meant delayed payments and frustrated contractors.
✓ PAY.I SOLUTION
• AI generates proposals & contracts from briefs
• Instant contractor payments — no more 30-day waits
• Daily AP runs for vendor invoices
• One dashboard for all payments
15 hrs
→ 2 hrs/week
Same-Day
Contractor payments
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Financial Projections

Metric Y1 Y2 Y3 Y4 Y5
SMB Customers 300 700 1,000 1,250 1,500
Mid-Market 15 100 250 450 650
Enterprise 3 35 100 250 400
Employees with Wallets 8K 35K 100K 200K 350K
ARR $2.5M $12M $32M $65M $100M

💰 Revenue Streams (Y5)

SaaS Platform (AP + Payroll) 45%
💳 Card Interchange 20%
AP Payment Processing 15%
⚡ Daily Pay / EWA Fees 10%
🔵 USDC Yield Spread 10%

📊 Unit Economics (Y3+)

$1,500
CAC (Employer Only)
$0
CAC per Employee
$45,000
LTV (3-yr)
30:1
LTV:CAC Ratio
75%
Gross Margin
4 mo
CAC Payback
Why 30:1? We acquire employers → their employees onboard free → each employee generates card + daily pay revenue

🎯 Key Assumptions

• SMB ARPU: $400/mo
• Mid-Market ARPU: $2,500/mo
• Enterprise ARPU: $15,000/mo
• Avg employees/customer: 50
• Card spend: $2K/mo per employee
• Interchange: 1.75% avg
• Net Revenue Retention: 115%
• Churn: 5% → 2% by Y3
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AP Automation for Employers. Daily Pay for Employees.

🎯

The Ask

$4M Seed

18-month runway to product-market fit
450 SMB • 40 Mid-Market • 8 Enterprise
$6M ARR

💰

Use of Funds

50% Engineering (AI/ML, blockchain, platform)
25% Go-to-Market (sales, marketing)
15% Compliance & Licensing
10% Operations

Founding Team

Matthew Finkle
Founder
👤
CTO
Hiring
👤
COO
Hiring

Advisors

Brendan Farmer
Co-Founder, Polygon
Blockchain
🤖
AI Advisor
TBD
💳
Fintech Advisor
TBD
📣
Marketing Advisor
TBD