Niural Cash Rewards†
FDIC insured‡
Up to 3% APY
No setup fee§
* Annual Percentage Yield (APY) is variable and subject to change after account opening. Interest is compounded monthly and credited monthly.
† Cash Rewards are available on approved payroll funds. Terms and conditions apply.
§ No account or domestic transaction fees. Some foreign transaction fees may apply in limited circumstances.
How it works
Every payroll cycle, cash sits waiting to be distributed.
With Niural AI, payroll balances automatically earn up to 3% APY until they're sent, because payroll and payments run on a unified platform.
Base
1% APY
$0 – $100K
Start earning immediately, no minimum balance required.
Pro
2% APY
$100K – $1M
Higher returns as your payroll scales with your team.
Max
3% APY
$1M+
Maximum rewards for enterprise payroll volumes.
Calculate your rewards →
‡ Niural is a financial technology company and not a bank. Banking services are provided by i3 Bank, Member FDIC.
The platform
When payroll and payments live in different systems, money sits idle and operations get fragmented. Niural AI unifies payroll, payments, compliance, and workforce management in one platform, so your cash keeps moving, even before payday.
1
Run Payroll
Collect worker details in any country. Niural calculates, files, and remits on a single schedule.
3
Pay Anyone
Same-day local payouts in 80+ currencies. Contractors or full-time employees. Freelancers or EOR workers. All in one flow.
2
Stay Compliant
Niural monitors local labor law changes and automatically updates your contracts, tax calculations, and filings. No surprises.
Product
From earning on payroll balances to paying teams around the world, Niural AI brings every workforce workflow into one platform.
Customers
Global teams trust Niural to handle the complexity so they can focus on building.
With Niural, EchoWin achieved cost savings for benefits, expanded payroll to all 50 states, and reduced compliance management effort significantly, allowing us to focus on scaling our AI receptionist services rather than the administrative burdens of navigating nationwide compliance and payment requirements.
echowin
Niural is not just a vendor to us but has become an extension of our team. Initially, we started with contractor payments, and now we use the full suite of services globally. We have multiple subsidiaries, complex payment needs, and lots of compliance requirements based on our growth. Niural was the only tech company that could handle all of it easily.
Karate Combat
Slingshot AI’s partnership with Niural allowed us to manage our rapid growth effectively. By addressing key administrative challenges and reducing costs, we could focus on our core mission of advancing mental health through AI research, all while keeping our employees happy and compliant with regulations.
Slingshot
Gokul Rajaram
Former Exec · Square, Facebook, Pinterest
Get started
Link your account, fund your wallet, and your rewards start immediately. No meetings, no paperwork.
1
Verify your business
Complete SOC 2-protected onboarding in minutes.
2
Fund your wallet
Connect your bank and transfer operating funds.
3
Activate cash rewards
Rewards accrue daily, credited on the 1st of every month.
Book a Demo