Stop Managing Bills.
Start Controlling Wealth.
The intelligent middleware between your paycheck and your life. Automate rent splitting, lock in safe-to-spend liquidity, and capture time-value arbitrage on every dollar.
Integrates with Workday, ADP, and Xero.
tPay365 · Live Control Flow
How money moves before it’s spent
A middleware logic layer that coordinates payroll inputs, detects upstream deductions, routes obligations, and outputs safe-to-spend liquidity.
Income Source
Employer salary or contract pay
HR / Payroll Systems
Legacy + Modern (push/pull integration)
tPay365 Core
HR/Payroll middleware layer
Rent + Bills
Obligations auto-settled and ring-fenced
Safe-to-Spend
Liquidity you can trust
Payments
Gov, lenders, utilities
The Arbitrage Engine
Traditional banking is static. tPay365 is dynamic. We decouple your liquidity from your purchases, capturing yield in the seconds between transactions.
Smart Vault Ingestion
Income is immediately routed to a high-yield holding vault. Your "Spendable Balance" is a virtual mirror, while the real assets continue to compound.
Bridge Execution
When you swipe, we credit the merchant instantly via the Bridge. Settlement from the vault is delayed strategically to maximize time-in-market (Time-Value Arbitrage).
Yield Settlement
The arbitrage delta (Yield earned - Transaction cost) is split. Users retain 80% of generated yield; tPay365 takes a 20% success fee.