What if your payday wasn’t bi-weekly, but bi-second? In this episode, we sit down with Simon Babakhani, CEO and Co-Founder of Zebec, to discuss how the company is moving past speculative retail crypto to build robust, utility-driven financial infrastructure. We dive deep into the concept of PayFi (Payment Finance) in the XRP ecosystem and how real-time programmable money streams are completely reshaping the way enterprises handle payroll, compliance, and international value movement. FEATURED PARTNERS: ► ~This Episode is Sponsored by OKX~ Trade RLUSD/XRP on OKX + claim the new user offer! Deposit and trade $200 to unlock $100 ➜ https://bit.ly/OKXRP Use code: paulbarron ► ~This Episode is Sponsored by Uphold~ Earn staking rewards automatically Weekly on supported assets the moment you buy with Flexible Staking. No lock-ups. Sell anytime. ➜ https://bit.ly/UpholdStakingPB 00:00 Introduction to Utility-Driven Finance 03:02 The Rise of PayFi and Real-Time Payments on XRPL 05:54 Privacy in Payroll Solutions 08:58 Navigating Federal Withholdings and Tax Solutions 12:01 The Future of Stablecoins in Enterprise Transactions 15:03 Multi-Chain Strategies and Token Migration 17:53 The Super App and Its Features 21:27 Understanding IBAN and Its Role in Modern Banking 22:48 Custody Solutions and KYC Requirements 24:45 Limits and Flexibility in Financial Transactions 25:54 The Future of Payroll and Enterprise Solutions 27:59 Yield Options and DeFi Integration 28:38 The Rise of Agent Pay and Automation in Payroll 29:42 Tracking Payments and Reporting Features for Businesses 31:05 The Gig Economy and Continuous Payment Solutions 32:29 Integrating Web3 Protocols with Traditional Banking 33:49 The Demand for Streaming Payments in the Gig Economy 35:38 The Future of Stablecoins and Corporate Adoption 37:01 Retail Giants and the Potential of Stablecoins 39:14 Real-World Assets and the Evolution of PayFi -------------------------------- BEST RESOURCES: ►Protect Your Crypto - Tangem ➜ https://bit.ly/TangemPBN Use Code: "PBN" for Additional Discounts! ►Best Trading Exchange - Get a 10% deposit bonus when you fund your account for the first time. https://bit.ly/PBNBTCC ►Open Your Crypto IRA Free Month with iTrust Capital ➜ Use PROMO CODE - PAUL BARRON https://bit.ly/iTrustPaul ►TRADE and Secure your XRP Anywhere With Starlink! Get a FULL Month FREE by using this link! And in most areas, the equipment is FREE for signing up (terms apply) - https://bit.ly/PaulStarlink ►Get your XRP POD Gear - https://bit.ly/xrppodmerch ►Unlock Your Path to Wealth with Forge Membership - The all-in-one membership for investors, entrepreneurs, and future wealth leaders, powered by the Paul Barron Network. https://bit.ly/pbnmembership

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