Buy & Swap Zebec Network (ZBCN)

What Zebec says it is

Zebec's site presents the company as a builder of decentralised payment infrastructure since 2021, with products spanning crypto cards, real-time stablecoin payroll, a DePIN payments pilot and a consumer "super app" in early access. The site describes a future where money and value move freely across payroll, investments and everyday expenses.

The site reports self-described scale figures: roughly $500 million in annual payroll volume, more than 250 enterprise clients, over 50,000 monthly users, and integrations across more than 20 chains and 150 tokens. These are the company's own numbers, reported here as its self-description rather than independently verified.

Unusually for a token project, Zebec has published a formal white paper written to the European Union's Markets in Crypto-Assets Regulation (MiCAR) template, dated 2025-09-06, in connection with seeking admission to trading on the Bitvavo platform. The document follows the regulation's prescribed structure, including offeror details, token characteristics and risk statements.^{[1], [2], [3], [4]}

How it works

The product family centres on moving money continuously rather than in batches. The payroll product advertises wages streamed in real time — "get paid by the second" — while the card products let users spend crypto balances, and the super app combines earning, spending and staking in one consumer interface. The site also describes a DePIN (decentralised physical infrastructure) payments pilot.

For businesses, the site lists enterprise-grade payroll, custom card programmes and the super app as the three commercial offerings. The white paper notes that ZBCN tokens are used primarily to access and pay for streaming payments within Zebec Network's supported blockchains, and that the tokens are freely transferable subject to the protocol's rules and governance.

The white paper also states that Zebec plans to build a dedicated staking interface for ZBCN and lists product enhancements across Zebec Pay, ZePIN and staking infrastructure, plus governance operations and DAO tooling expansion, as areas of ongoing work.^{[5], [6], [7], [8]}

What ZBCN is used for

According to the MiCA white paper, ZBCN is a governance and utility token within the Zebec ecosystem. Holders can participate in governance decisions affecting the network, with voting power proportional to holdings, and the token serves as a medium of exchange for accessing services such as real-time payment streaming.

The white paper is explicit about what ZBCN is not: token holders are not entitled to dividends, and the rights associated with the token are governed by protocol-level rules that may evolve through community-led governance and validator consensus. The document also notes that no public offer of ZBCN is being made in connection with the white paper itself — it was drawn up for admission to trading on Bitvavo.^{[9], [10], [4]}

Risks and open questions

The MiCA white paper carries the regulation's standard warning that the document has not been approved by any competent authority in any EU member state, and that the person seeking admission to trading is solely responsible for its content. It also warns that the utility token may not be exchangeable against the good or service described, at least not under all circumstances.

As with any payments-focused token, the value of the utility depends on actual usage of the payroll and streaming products. The site's scale figures are self-reported, and the white paper notes ZBCN's market capitalisation has ranged between roughly $300 million and $600 million — a wide band that reflects how volatile the token's valuation has been.^{[11], [12]}

What the official sources do not say

UNKNOWN from official sources: the current breakdown of payroll volume by product, the distribution of ZBCN voting power across holders, independent verification of the enterprise client count, and the launch date for the planned staking interface.

It is not predicted here.