# Payroll Credit & Advance: Rain

Problem: Gig workers and freelancers often wait weeks for payments, lacking access to credit in the meantime.

NEBULY Solution:

- Rain integrates NEBULY’s tokenization and financing layers to enable “Payday on Demand.”
- Workers tokenize expected salaries and receive stablecoin advances within minutes.
- Smart contracts automate repayment directly from future payroll streams.

Stack Utilized: Financing Layer, Custody Layer, Application Layer

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