Use your own Solana API key (e.g. Helius) in environment variables. Setup details and code are in the open-source repo: github.com/panagot/Cloak-payroll.
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Payee
One time (per browser) you create a Cloak receive key and send your employer the 64-character hex below. It is not your normal Solana address. After they run payroll, you get a small JSON from them, then you open Get paid to move USDC to Phantom.
Building your own app? See the SDK docs.
Contractor / payee path