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Every company with employees is a potential customer.

Calculate the net pay etc. while being compliant with federal/state regulations only, or automate payments to employee accounts as well? What is the minimal value that such saas can provide to get massive number of users?

Automated payments would offer a huge advantage. And now is the prefect timing with the FedNow service just becoming available.

https://www.federalreserve.gov/paymentsystems/fednow_about.h...

Payments also offers the perfect monetization option --- charge for each transfer.

Update

Automated payments may not be necessary.

With the new FedNow service, some banks are offering cash managment software that allows direct transfer to employee accounts. A payroll system may only need to interface with these.

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