Full Reference Documentation
RialOS
DOCS
Everything you need to understand, integrate, and build with RialOS — the autonomous finance operating system built on Rialo L1.
01 / Introduction
What is RialOS?
RialOS is the Autonomous Finance Operating System — a unified, programmable financial layer for both companies and individuals. It automates how money is earned, managed, spent, borrowed, and invested through smart contracts that react to real-world events in real time.
RialOS is not a payroll tool. Not a lending app. Not an investment platform. It is the layer that sits beneath all of those functions and makes them run automatically based on your behavior and your rules.
Built natively on Rialo L1, RialOS inherits the protocol's most powerful capabilities: native HTTPS calls inside smart contracts, event-driven execution, scheduled transactions, social login, and built-in privacy. Without Rialo, RialOS would require a complex stack of oracles, keeper networks, and off-chain bots. On Rialo, all of that is handled at the protocol level.
Key Insight
RialOS turns finance into programmable workflows. Instead of manually paying salaries, repaying loans, or making investments — everything runs automatically through smart contracts and event triggers, powered by Rialo.
02 / How It Works
Three Steps
RialOS operates on a simple three-step model that hides enormous complexity behind a clean interface.
Step 01 — Connect
- Link your company wallet or onboard via email
- Map employees by wallet, email, or phone
- Configure treasury and vault access
- RialOS builds your on-chain financial profile automatically
Step 02 — Configure Rules
- Define automation rules in plain language
- RialOS compiles them to Rialo smart contract listeners
- Set salary routing, investment triggers, EMI deductions
- Rules stack and chain — build complex workflows visually
Step 03 — Run Autonomously
- Smart contracts execute 24/7 with no manual input
- Events trigger across borders, assets, and systems
- Gas costs covered by staking yield automatically
- Receive alerts via WhatsApp, email, or webhook
Who is it for?
- Crypto-native startups and Web3 DAOs
- Remote global teams needing cross-border payroll
- Salaried employees wanting financial automation
- Freelancers and independent professionals
- Fintechs building on top of RialOS APIs
02b / Architecture
Protocol Stack
RialOS is a layered system built entirely on Rialo L1. Each layer is decoupled — the SDK and API expose clean interfaces to the layers below, while Rialo handles the lowest-level execution, scheduling, and settlement.
[ Layer 4 ]
SDK / REST API
TypeScript SDK, REST endpoints, webhooks, dashboard
[ Layer 3 ]
Rules Engine
On-chain automation DSL, event listeners, action chaining
[ Layer 2 ]
RialOS Contracts
Payroll, lending, SIP, treasury, identity smart contracts
[ Layer 1 ]
Rialo L1
Native HTTPS, event-driven exec, scheduling, 0.4s finality
Why Rialo?
Traditional blockchains require external oracles, keeper networks, and off-chain bots to trigger smart contracts. Rialo has all of this built in at the protocol level — meaning RialOS rules execute natively on-chain with no middleware, no single points of failure, and no extra trust assumptions.
03 / Core Modules
Core Modules
RialOS is composed of 12 integrated modules. Click any module to expand full details.
The Payroll Engine handles on-chain salary disbursement to any number of employees globally. Payments are made in stablecoins (USDC or USDT) and settle instantly on Rialo — no banks, no SWIFT delays, no correspondent fees.
Employees can be onboarded via wallet address, email, or phone number. Rialo's native social login abstracts the wallet entirely for non-crypto users — they simply receive funds to their account without ever touching a seed phrase or MetaMask.
Live Feature
Real-time salary streaming is available now. Employees earn per second, not per month — funds flow continuously into their account as they work.
What it does
- Bulk salary disbursement to unlimited employees
- Real-time per-second salary streaming
- Supports USDC and USDT stablecoin payments
- Instant on-chain settlement — no delays
- Full audit trail stored immutably on Rialo
- Multi-currency conversion at point of payment
- Role-based access for HR and finance teams
How it works
- Company funds a payroll vault with USDC/USDT
- Employee wallet addresses mapped on-chain
- Scheduled Rialo transaction executes disbursement
- Each payment emits an on-chain event for audit logs
- Gas costs covered via Stake-for-Service yield
- Company CFO dashboard shows live disbursement status
SDK Example
const result = await flow.payroll.disburse({
employees: [
{ id: 'emp_001', amount: 5000, currency: 'USDC' },
{ id: 'emp_002', amount: 7200, currency: 'USDC' },
],
stream: true, // enable per-second streaming
memo: 'April 2026 Payroll'
})
console.log(result.txHash, result.settled) // instant: true
| Parameter | Type | Description |
|---|
| employees | Array | List of employee objects with id, amount, and currency |
| stream | Boolean | Enable real-time per-second salary streaming via Rialo |
| memo | String | Payroll reference string stored immutably in the on-chain audit log |
| currency | String | USDC or USDT — both supported natively on Rialo |
RialOS enables undercollateralized loans using on-chain credit profiles assembled from verifiable data — payroll history, repayment behavior, and real-world credit bureau data fetched natively by Rialo smart contracts (no oracles required).
EMI (Equated Monthly Installment) repayments are auto-deducted via recurring smart contracts. No missed payments. No manual transfers. No collection calls.
Loan Types
- Undercollateralized loans based on credit score
- Salary-backed credit lines (draw anytime)
- Earned Wage Access — withdraw earned salary early
- Corporate credit facilities for treasury
EMI Automation
- Repayments auto-deducted on schedule
- Live repayment tracker in dashboard
- Grace period rules configurable on-chain
- Default triggers protection pool automatically
Coming Q3 2026 — Full Launch
The Auto-Invest engine executes Dollar-Cost Averaging (DCA) into BTC, ETH, SOL, and other assets automatically. Trades execute via DEX aggregators to guarantee best-price execution. All assets are held in the user's personal vault — fully non-custodial.
Features
- Automated DCA into any supported asset
- Executes via DEX aggregators for best price
- Assets stored in user-owned, non-custodial vaults
- Rule-based investing — trigger on dips, rebalance monthly
- Portfolio tracking in unified dashboard
Supported Assets
- Bitcoin (BTC)
- Ethereum (ETH)
- Solana (SOL)
- Stablecoins (USDC, USDT)
- Additional assets — expanding Q3 2026
SIP Rule Example
// Auto-invest 20% of salary into BTC on arrival
await flow.rules.create({
trigger: { event: 'salary.received' },
actions: [
{ type: 'invest', asset: 'BTC', pct: 20, via: 'dex-aggregator' }
]
})
RialOS's most technically differentiated module. The identity layer builds a live on-chain credit profile from three data sources: verifiable payroll history (from the RialOS Payroll Engine), real-world credit data fetched natively by Rialo smart contracts (no third-party oracle), and behavioral repayment data from the platform.
This enables trust-based finance instead of collateral-based — the first truly undercollateralized lending system that doesn't rely on overcollateralization or oracle risk.
Credit Profile Sources
- On-chain payroll history from RialOS
- Web-fetched credit bureau data via Rialo HTTPS calls
- EMI repayment behavior and track record
- Employment verification credentials
Verifiable Credentials
- Proof of income (on-chain payroll record)
- Proof of employment (verifiable credential)
- KYC verification (stored on Rialo)
- Credit score (rebuilt per transaction)
Coming Q3 2026
A full CFO dashboard on-chain. Corporate treasuries can hold assets in smart vaults, earn yield automatically, manage multi-sig authorization for large transfers, and get real-time liquidity forecasting based on payroll obligations.
Vault Features
- Smart treasury vaults with auto-yield strategies
- Multi-sig with role-based access controls
- Payroll forecasting and liquidity alerts
- Automatic vendor payment scheduling
CFO Dashboard
- Real-time treasury balance and runway
- Payroll obligation calendar
- Yield earned from staking
- Full audit log export for accounting
RialOS is the "Stripe for crypto subscriptions" — enabling automated recurring payments for SaaS billing, rent, insurance premiums, and any regular obligation. Smart contracts handle execution natively on Rialo's scheduling layer.
Use Cases
- SaaS subscription billing
- Rent and utility payments
- Insurance premium automation
- DAO contributor compensation
Smart Features
- Auto-pause if wallet balance is insufficient
- Resume on next salary arrival
- Retry logic built into the contract
- Notifications before and after each payment
Coming Q3 2026
04 / Automation
Rules Engine
The automation rules engine is RialOS's most powerful feature. Rules are defined in a human-readable DSL and compiled to persistent on-chain listeners on Rialo — not off-chain bots or cron jobs. Once deployed, a rule runs forever unless explicitly cancelled.
On-Chain Native
Rules use Rialo's native async execution — spanning multiple blocks — to chain actions without any external infrastructure. There are no keeper networks, no scheduled Lambda functions, no middleware.
Available triggers: salary.received, balance.below, price.drop, price.rise, date.scheduled, payment.received, loan.repayment.due, treasury.low
Available actions: invest, repay, transfer, notify, pause, resume, dca, swap, stake, alert
Rule Examples
// Rule 1: Route salary on arrival
await flow.rules.create({
name: 'Salary Router',
trigger: { event: 'salary.received' },
actions: [
{ type: 'invest', asset: 'BTC', pct: 20 },
{ type: 'repay', loan: 'loan_abc123', pct: 10 },
{ type: 'notify', channel: 'whatsapp', msg: 'Salary arrived and routed' }
],
gas: 'stake-funded'
})
// Rule 2: Buy the dip
await flow.rules.create({
name: 'Dip Buyer',
trigger: { event: 'price.drop', asset: 'BTC', threshold: 10 },
actions: [
{ type: 'dca', asset: 'BTC', amount: 200, currency: 'USDC' }
]
})
// Rule 3: Treasury liquidity guard
await flow.rules.create({
name: 'Liquidity Guard',
trigger: { event: 'treasury.low', days_runway: 30 },
actions: [
{ type: 'pause', target: 'vendorPayments' },
{ type: 'alert', recipient: 'cfo', priority: 'URGENT' }
]
})
Gas & Economics
RialOS uses Rialo's Stake-for-Service model. When a company or user stakes assets into the RialOS protocol, the yield from staking is automatically used to cover all gas costs for rule execution and transaction fees. This means:
What this means for users
- Run thousands of automation rules with zero manual gas top-ups
- Payroll disbursement costs are fully covered
- SIP executions, EMI deductions — all zero-cost to the user
- Staking also earns yield on top of covering costs
What this means for companies
- Treasury assets staked = operational costs auto-covered
- No manual gas wallet management
- Predictable, auditable cost structure
- Excess yield flows back to treasury
05 / Additional Modules
Additional Modules
Pay global teams instantly in stablecoins. No SWIFT. No correspondent banks. No 3–5 day delays. No $25–45 wire fees. RialOS supports 180+ countries with instant settlement on Rialo.
Employees in any country receive salary via email or phone — they don't need a crypto wallet, bank account, or even internet banking. Rialo handles the identity and custody layer natively.
Key Benefits
- Instant settlement — no T+2/T+3 delays
- 180+ countries supported
- No correspondent bank fees
- Email/phone onboarding — no wallet needed
- Automatic FX conversion where required
Compared to SWIFT
- Settlement: 0.4s vs 3–5 business days
- Fee per transfer: ~$0 vs $25–45
- Intermediaries: 0 vs 2–4 banks
- Transparency: full on-chain trail vs opaque
- Failure rate: near-zero vs 2–5%
Every transaction on RialOS is logged immutably on-chain. The compliance layer transforms this data into auto-generated tax reports, audit logs, and accounting exports — no manual reconciliation required.
Features
- Auto-generated tax reports per jurisdiction
- Audit-ready logs with full transaction history
- Export to CSV, PDF, and accounting tools
- Multi-jurisdiction support (expanding)
Integrations (planned)
- QuickBooks and Xero export
- SAP and NetSuite API connections
- Custom webhook for accounting platforms
- Auditor access portal with read-only view
Coming Q4 2026
RialOS uses on-chain mutual protection pools funded by a portion of yield from all treasury and investment vaults. When a loan defaults, the pool covers exposure automatically — no human adjudication, no insurance company, no delay.
Protection Types
- Loan default protection pools
- Salary protection buffers (income gap coverage)
- Smart contract insurance for protocol risk
- Treasury drawdown protection
How Pools Work
- A % of staking and vault yield funds the pool
- Smart contract monitors loan health continuously
- Default triggers automatic pool payout
- No claims process — fully automated
Coming Q4 2026
RialOS bridges Web3 events to Web2 channels — so you never miss a critical financial event, and you never have to check a blockchain explorer. Every trigger, rule execution, payment, or alert reaches you instantly on the channels you already use.
Channels
- WhatsApp (recommended)
- Email (all providers)
- Telegram
- Webhook (for custom integrations)
- In-app dashboard notifications
Event Types
- Salary received / disbursed
- Rule triggered and executed
- Investment executed
- EMI deducted
- Low balance / liquidity warnings
- Loan approved or repaid
06 / Developers
SDK Quickstart
The RialOS SDK wraps all Rialo smart contract interactions and exposes a clean TypeScript API. It handles wallet abstraction, transaction signing, event listening, and rule compilation automatically.
Installation
npm install @rialos/sdk
Initialization
import { RialOS } from '@rialos/sdk'
const flow = new RialOS({
apiKey: 'ff_live_xxxxxxxxxxxx', // from your dashboard
network: 'rialo-mainnet', // or 'rialo-testnet'
mode: 'corporate' // or 'individual'
})
await flow.connect()
console.log(flow.status) // { connected: true, network: 'rialo-mainnet' }
API Reference
| Method | Module | Description |
|---|
| flow.payroll.disburse() | Payroll | Disburse salary to one or many employees |
| flow.payroll.stream() | Payroll | Start real-time per-second salary streaming |
| flow.payroll.pause() | Payroll | Pause active salary stream |
| flow.lending.apply() | Lending | Apply for a loan or credit line |
| flow.lending.repay() | Lending | Manually trigger a loan repayment |
| flow.invest.sip() | Invest | Schedule a recurring DCA investment |
| flow.invest.dca() | Invest | Execute a one-time DCA buy |
| flow.rules.create() | Automation | Deploy a new on-chain automation rule |
| flow.rules.list() | Automation | List all active rules for a wallet |
| flow.rules.cancel() | Automation | Cancel and remove an active rule |
| flow.treasury.vault() | Treasury | Access treasury vault data and controls |
| flow.identity.score() | Identity | Fetch on-chain credit score for a wallet |
Webhooks
Register a webhook URL in your dashboard to receive HTTP POST events for every RialOS action. Webhook payloads are signed with your API secret for verification.
Webhook Payload Example
{
"event": "salary.disbursed",
"timestamp": "2026-04-30T12:00:00Z",
"data": {
"employee_id": "emp_001",
"amount": 5000,
"currency": "USDC",
"tx_hash": "0xabc123...",
"settled": true
},
"signature": "sha256=xxxx"
}
07 / FAQ
Frequently Asked
No. Rialo's native identity layer allows employees to receive salary via email or phone number. RialOS handles wallet creation transparently in the background. Employees never need to manage a seed phrase, MetaMask, or any crypto tooling.
Gas fees are covered automatically via Rialo's Stake-for-Service model. When you stake assets into RialOS vaults, the staking yield pays for all gas — payroll, SIPs, EMIs, and rule executions. You never need to top up a gas wallet.
The on-chain credit score is assembled from three verifiable sources: your RialOS payroll history (how long, how consistently), real-world credit bureau data fetched natively by Rialo smart contracts (no oracle), and your repayment behavior within the platform. The score updates with every relevant on-chain event.
Yes. All assets in investment vaults and personal accounts are held in user-owned smart contract vaults on Rialo. RialOS never takes custody of funds. The protocol has no ability to seize, freeze, or redirect assets without rule-based authorization from the wallet owner.
Payroll and lending operate in USDC and USDT. Investment vaults support BTC, ETH, SOL, and expanding assets. Automatic FX conversion is available for employees in countries where stablecoin direct holding is restricted — handled via partner liquidity layers.